Picture
BeClaimSmart.com
  • Home
  • Ian Aftermath
  • The Claim Process
  • Find a Public Adjuster
  • Avoid Scammers
  • FAQ

VERIFY ADJUSTER LICENSE

Use the Florida Department of Financial Services license search to verify that an adjuster you are considering is licensed to work in the state. You may search by the name of the individual or the business and select “adjuster” ​for the license category. 
VERIFY ADJUSTER LICENSE

​VERIFY CONTRACTOR LICENSE

Use the Florida Department of Business & Professional Regulation search to confirm that the contractors you are considering to conduct repair work on your property are professionals who are licensed by the state.
VERIFY cONTRACTOR LICENSE

FIND A FAPIA MEMBER
​PUBLIC ADJUSTER

Public adjusters who are FAPIA members are licensed by the state, adhere to a strict code of ethics and are able to take advantage of the best quality continuing education in the country. Additionally, FAPIA members have a network of resources to best assist you in handling your insurance claim. 
FAPIA PUBLIC ADJUSTER SEARCH

STORM RESOURCES

IRS Tax Relief for victims of hurricane Ian
Check attorney licenses
​Flood Insurance Tips
​The National Flood Insurance Program (NFIP) is managed by FEMA and is delivered to the public by a network of more than 50 insurance companies and the NFIP Direct.


Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both.

There is often a dispute about whether the damage caused to any given property was caused by wind or flood since wind damage would be covered by the homeowner policy and flood through NFIP. 

Your flood policy has several very strict requirements that a qualified and experienced licensed public insurance adjuster or attorney can help you navigate.  Failure to meet any of the conditions set forth in the flood policy can cause your claim to be denied.  

This is a federal program.

  • FEMA Fact Sheet - What You Need to Know About Wind Damage vs. Flood Damage and Your NFIP Claim
  • All About Elevation Certificates
  • Apply to open your flood claim
​FEMA Assistance
DisasterAssistance.gov
Florida Receives Approval for National Flood Insurance
​Program Waiver 9-3-2022
Memorandum: Hurricane Ian Claims Payment Process
Proof of Loss Extension
Florida State Resources
FloridaDisaster.org
Press Releases from the Office of the CFO
DBPR Emergency Order 2022-04
Florida Consumer Protections 
Florida Homeowner Bill of Rights
  • Insurer's Must Acknowledge Claims - 
    • (1)(a) Upon an insurer’s receiving a communication with respect to a claim, the insurer shall, within 14 calendar days, review and acknowledge receipt of such communication unless payment is made within that period of time or unless the failure to acknowledge is caused by factors beyond the control of the insurer which reasonably prevent such acknowledgment. If the acknowledgment is not in writing, a notification indicating acknowledgment shall be made in the insurer’s claim file and dated. A communication made to or by a representative of an insurer with respect to a claim shall constitute communication to or by the insurer.​
  • 90 days to Pay or Deny - 
    • (7)(a) Within 90 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer which reasonably prevent such payment.
  • Insurer to inspect within 45 days after receipt of Proof of Loss
    • (b) If such investigation involves a physical inspection of the property, the licensed adjuster assigned by the insurer must provide the policyholder with a printed or electronic document containing his or her name and state adjuster license number. For claims other than those subject to a hurricane deductible, an insurer must conduct any such physical inspection within 45 days after its receipt of the proof-of-loss statements.​
  • Insurer communications must contain the name and license number of the adjuster communicating about the claim.
    • (c) Any subsequent communication with the policyholder regarding the claim must also include the name and license number of the adjuster communicating about the claim. Communication of the adjuster’s name and license number may be included with other information provided to the policyholder.
Consumer Bulletins
BEWARE OF CONTRACTORS OFFERING TO HANDLE YOUR INSURANCE CLAIM
PUBLIC INSURANCE ADJUSTERS ARE LICENSED & TRAINED INSURANCE PROFESSIONALS WORKING FOR YOU
BEWARE OF ADJUSTERS OR AGENTS ADVISING YOU NOT TO GET THE HELP YOU MAY NEED
FLORIDA ASSOCIATION OF PUBLIC INSURANCE ADJUSTERS
866-235-6489

​9100 S. Dadeland Blvd Suite 1500
​Miami, FL 33156

Terms of Use | FAPIA © 2022
Site Support
  • Home
  • Ian Aftermath
  • The Claim Process
  • Find a Public Adjuster
  • Avoid Scammers
  • FAQ