Florida Home Insurance Claim Help
Florida homeowners deal with some of the most complicated claims in the country. Hurricane disputes, carrier delays, coverage denials — Tugboat helps you navigate all of it.
Florida Claims Are More Complicated Than Most
Between hurricane seasons, wind-versus-flood disputes, and a claims environment that's seen carriers exit the state entirely, Florida homeowners face challenges that don't exist anywhere else.
Your Carrier Has Deadlines — And They Know It
Florida insurers have 60 days to pay or deny your claim. They're required to begin investigating within 7 days of receiving your proof of loss, and to deliver their adjuster's estimate within 7 days of generating it. Most homeowners don't know these timelines. Carriers do.
You Can Request Mediation — For Free
If your claim is in dispute, Florida gives you the option to request mediation through the Department of Financial Services. It's free to you, the carrier has to show up with someone who can actually settle, and it's often faster than filing a complaint.
What Tugboat Members Get in Florida
We help you understand what your carrier is required to do — and what to do when they don't do it.
Claim Documentation Guidance
Florida claims live and die on documentation. We help you capture the right photos, organize your damage record, and respond to adjuster requests in a way that protects your position throughout the process.
Wind vs. Flood Support
Carriers sometimes attribute hurricane damage to flooding — which isn't covered by your homeowners policy — rather than wind, which is. We help you document the sequence of damage and understand how to challenge a misclassification.
Denial and Underpayment Response
When your claim is denied or you're offered less than the cost of repairs, your carrier is required to explain why in writing. We help you read that explanation, identify where it doesn't hold up, and respond with documentation that addresses their reasoning.
Mediation and Escalation Guidance
Regulatory complaints rarely produce results on individual claims. Mediation is often a better path — it's free, it requires the carrier to come to the table, and it doesn't require an attorney. We help you understand when it makes sense and how to prepare.
Written Communications with Your Carrier
The letters and emails you send during a claim become part of the record. We help you write them clearly, reference the right information, and avoid language that could hurt your position later.
Real Homeowners. Real Results.
Pricing
Claim Support
$198
$99, Onboarding fee for existing claim
+ $99/year, Tugboat membership
14-day free trial. Renews at $99/year. Cancel anytime.
Includes:
- Help writing letters and emails to your insurer
- Photo and documentation guidance
- Estimate reviews and coverage clarity
- Direct access to claims experts
