what to do if no insurance coverage after hurricane michael

The Sectionalisation of Consumer Services stands gear up to aid insurance consumers in the aftermath of Hurricane Michael past offer consumers direct access to our insurance experts who tin can respond the many insurance-related questions that volition follow in the wake of the storm too as information and resource. This site will continuously be updated to provide you lot with the most current data.

Our toll-free insurance consumer helpline is available.

You may accomplish us by calling 1-877-693-5236, Mon – Friday, 8:00 am – 5:00 pm, EST

You can speak directly with individuals who can assistance you review your policies to understand your coverage, help yous file claims for damage and offering aid in the result that you are having trouble communicating with your insurance visitor.

To verify an insurance agent's or adjuster'southward license, visit the Licensee Search folio.

CFO Patronis' Frequently Asked Questions

CFO Insurance Assistance Line: 1-877-MY-FL-CFO www.myfloridacfo.com
FEMA: 1-800-621-FEMA www.disasterassistance.gov
Florida Disaster Relief Fund: volunteerflorida.org

Q: How long does it take between filing a claim and work starting time on my abode?
A: Timing tin depend, merely if your insurance company is non responsive or keeping yous upwardly to date Call MY Part (1-877-MY-FL-CFO). Depending on the damage, information technology could take longer to assess, but if you haven't heard from an adjuster after filing your claim within 1 week, follow upward with your insurance company. BE PERSISTENT and employ my part as a resource. Within xxx days, you should hear from your insurance on what they are actually doing with your claim – fully or partially covered or denial.

This is exactly why I held a call with the major insurance companies in the area before the tempest – I put them on notice that they MUST motion apace to make residents whole. That's what we are going every day. You have the correct to hear from your insurance visitor.

Q: I've filed a claim, an adjuster has come up out and I've reached an agreement with my insurance company, only payment hasn't been issued. What should I practise?
A: Be persistent and follow upwards with your insurance company. Phone call my office at 1-877-MY-FL-CFO then nosotros tin can intervene for you and hold these companies accountable. That's what I'm hither for – so that you lot can accept someone fighting in your corner.

Q: What happens if the insurance company denies my merits?
A: If your claim was denied, you lot have the right to asking mediation through my office. I tin can't stress using my office enough. We are not only a resource but your champion.

Q: A contractor is pressuring me to sign a document that would make the claims procedure easier. What should I practise?
A: Don't sign anything. Signing this kind of document, called an Assignment of Benefits document, will turn over your rights and insurance claim to a contractor. Doing this gives the contractor the right to communicate or negotiate directly with your insurance company or requires all claim proceeds to be fabricated payable to the contractor. It also opens up a chance for the contractor to file a lawsuit against your insurance company. No one wins with an AOB.

Q: A contractor approached me about doing repairs, but won't show appropriate license and insurance paperwork. What should I do – I can't wait any longer for repairs.
A: I can't stress this plenty: ALWAYS use reputable and licensed contractors. Don't permit promises of fast repairs convince you otherwise. Using an unlicensed or uninsured contractor is a financial and safety hazard. Go to the Department of Business and Professional Regulation'southward licensee search online to check a license; and ensure that contractors carry the proper liability and workers' compensation insurance by visiting my Division of Workers' Compensation website at MYFLORIDACFO.COM.

Q: What most damage to my auto? Is that covered?
A: Water damage to a car is normally covered if you take comprehensive coverage on your car policy. Cheque with your insurance company before allowing any repairs to your damaged vehicle. Be careful with motorcar glass repair shops. Some auto may try to convince you to sign over your insurance benefits. These shops aren't affiliated with the insurance companies. They may inflate the glass claim and so plow around and sue the insurance company, often without your knowledge.

Q: What is FEMA Individual Assistance and who is eligible?
A: Following a request by Governor Scott, and approval by FEMA, families in the following Bay, Franklin, Gulf, Leon, Taylor, Wakulla, Calhoun, Liberty, Jackson, Gadsden, Holmes, and Washington counties. To appointment, FEMA has approved nearly $95 million in Individual Assistance. This help can include housing needs, Disaster-caused kid care expenses, disaster-caused medical and dental expenses and even disaster-acquired damages to essential household items (room effects, appliances); article of clothing; tools (specialized or protective wear and equipment) required for your job; necessary educational materials (computers, school books, supplies). If you have whatsoever questions, telephone call my role at one-877-MY-FL-CFO.

Belongings Insurance Companies and Contact Numbers

Please click here to locate your insurance company and contact information.

Eligible Counties for FEMA Aid

Florida Residents with losses due to Hurricane Michael in Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Leon, Liberty, Taylor, Wakulla, Washington Counties may now annals for disaster assist from the Federal Emergency Management Agency, according to state and federal officials.

Individuals tin can register online at www.DisasterAssistance.gov or through the FEMA App.

Applicants will need the following to utilise:

• Social Security Number;

• Daytime telephone number;

• Electric current mailing address and accost and zippo code of the damaged holding; and

• Private insurance information, if bachelor.

Past registering for federal assistance on www.DisasterAssistance.gov

• Yous tin look upward your address to notice out if it is in a disaster area declared for Individual Aid.

• Check the status of your application and become updates past SMS or email.

• Upload documents to support your awarding.

Another selection for individuals, including those who use 711 relay or VRS, is to phone call 1-800-621-FEMA (3362) while those who apply TTY tin call one-800-462-7585. The toll-free phone numbers will operate from 7 a.m. to 11 p.m. EDT seven days a week until further notice.

Florida Farm Bureau Claims Offices

Bay Canton Function
303 Mosley Bulldoze
Lynn Oasis, FL 32444
850.763.5345
Adjusters are Available

Calhoun County Office
17577 Main Street North
Blountstown, FL 32424
850.674.9471

Gadsden County Office
2111 W. Jefferson Street
Quincy, FL 32351
850.482.5751

Holmes County Office
1108 Due north. Waukesha Street
Bonifay, FL 32425
850.638.1754

Jackson County Office
4379 Lafayette Street
Marianna, FL 32446
850.482.5751
Adjusters are Bachelor

Washington County Office
1361 Jackson Artery
Chipley, FL 32428
850.638.1756

FEMA Assistance - Functioning Blue Roof

The U.S. Army Corps of Engineers has been tasked by the Federal Emergency Management Agency (FEMA) to assist eligible homeowners with temporary roof repairs. The program, named Operation Blue Roof, provides a temporary covering of blueish plastic sheeting to help reduce further damage to belongings until permanent repairs tin can be made. The blueish plastic sheeting is installed using strips of woods that are secured to the roof with nails or screws.

Eligible homeowners in 12 counties impacted by Hurricane Michael are eligible for temporary repairs under Performance Blueish Roof offered past the state of Florida, the Federal Emergency Management Bureau, and the U.South. Army Corps of Engineers. Homeowners in Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Leon, Liberty, Taylor, Wakulla, and Washington counties who sustained roof impairment can apply for assist.

Homeowners who wish to apply must complete a right-of-entry (ROE) form to allow the U.Southward. Regular army Corps of Engineers and its contractors to access the belongings. The ROE form can exist completed online at world wide web.usace.army.mil/blueroof or in person at ROE collection centers which have been set up up in the surface area.

The U.S. Army Corps of Engineers is currently operating ROE collection sites from 8 a.yard. until six p.m. CDT, seven days a week in the following locations (all in Bay County):

Panama Metropolis Square
525 W 23rd Street
Panama City, FL

Walmart
15495 Panama City Beach Pkwy
Panama City Beach, FL

Walmart
2101 S Highway 77
Lynn Haven, FL

The U.S. Army Corps of Engineers plans to open additional ROE collection centers in other communities across the region in the coming days.

Simply principal residences that accept standard shingled roofs are eligible to receive a temporary blue roof. Metal roofs and mobile homes will be repaired as practical on a case-by-example basis, and roofs with greater than fifty percent structural damage are not eligible for this plan.

Renters must obtain legal permission from the possessor for installation of a blue roof. They must also get legal permission from their landlord to continue occupying the residence until more permanent repairs are made.

For the most current information, please visit the USACE Blue Roof website at www.usace.army.mil/BlueRoof or call ane-888-ROOF-BLU (1-888-766-3258).

FEMA - Deadline to Register for Disaster Assistance in Florida Extended

Hurricane Michael survivors in Florida at present have until Monday, December. 17, to register for disaster assistance. Homeowners and renters may exist eligible for assistance to encompass essential disaster-related needs not covered by insurance. This may include grants to cover bones repairs to make their homes habitable, funds to cover disaster-related personal belongings losses, and various forms of temporary housing assistance.

Visit DisasterAssistance.gov to annals online or telephone call the FEMA helpline at 800-621-3362 (TTY 800-462-7585). Those who need help with the registration process can visit any disaster recovery center to speak face to face with representatives from FEMA, SBA, HUD and other agencies. To locate the nearest centre, visit FEMA.gov/DRC or telephone call the FEMA helpline.

Those who miss the registration deadline of Dec. 17 must provide written justification before their registration can be candy. The letter must include details on the extenuating circumstances that prevented them from applying on time.

FEMA – Transitional Sheltering Assistance & Rental Assistance

FEMA is making Transitional Sheltering Assistance (TSA) available to eligible survivors in the country of Florida, who are unable to return to their pre-disaster primary residence because their home is either uninhabitable or inaccessible. TSA provides disaster survivors with a brusque-term stay in a hotel or cabin.

Through direct payments to lodging providers, TSA is intended to reduce the number of disaster survivors in shelters past transitioning survivors into brusque-term accommodations.

Eligible survivors can find the list of TSA-approved hotels on world wide web.DisasterAssistance.gov, and click on the Transitional Sheltering Help (TSA) Program – Participating Hotel List link. If internet access is unavailable, the FEMA Helpline (1-800-621-3362) tin can assist with locating a participating property. Survivors should contact the hotel direct to secure a hotel room prior to traveling to the hotel.

Rental Aid. Assistance through FEMA's Individual and Households Programme may be bachelor to eligible applicants to secure temporary housing while repairs are being made to the pre-disaster main residence, or while transitioning to permanent housing while bidder survivor is displaced from their primary residence.

FEMA – Disaster Assistance Check Verification Tips

The Office of Financial Regulation and Consumer Services take received inquiries from consumers who take received Disaster Assistance Checks from FEMA, and encountered problems with getting the checks cashed because they could non verify the authenticity. In club to assist consumers, FEMA provided the following data that tin can be shared with consumers:

Full general Information:

Funds are distributed via check or direct deposit (no pre-paid cards).

A alphabetic character to the survivor explaining what the payment is to exist used for arrives within a twenty-four hours or 2 of the check or direct deposit.

The U.S. Treasury checks associated with FEMA assistance will have " Disaster Assistance " identified on the lower left-mitt corner of the bank check. Click hither, to view a description of the Treasury check's features.

Financial institutions can validate a Treasury check by accessing the following website:

https://tcva.fms.treas.gov/

Click "Check Verification" on the upper left of the page

Must have a valid routing transit number, check number, and bank check amount

If fraud is suspected, consumers tin written report fraud past using 1 of these options:

Call the FEMA Waste material, Fraud and Abuse Hotline at 1-800-323-8603 or TTY 1-844-889-4357.

Send a fax to the Department of Homeland Security Office of Inspector General Hotline at 202-254- 4297.

Electronic mail FEMA-OCSO-Tipline@fema.dhs.gov.

Write to:

DHS Role of Inspector Full general, Mail Stop 0305
Attn: Part of Investigations - Hotline
245 Murray Lane SW
Washington, DC 20528-0305
http://world wide web.oig.dhs.gov

Or contact:

National Centre for Disaster Fraud
866-720-5721
disaster@leo.gov

Disaster Distress Helpline

The Section of Health and Man Services (HHS) Disaster Distress Helpline (one-800-985-5990) remains open up 24/7 for free help coping with the stress of the storm. This toll-free, multilingual, and confidential crisis back up service is bachelor to all residents in the United States and its territories. Stress, feet, and other depression-like symptoms are common reactions after a disaster.

Price Gouging

On Oct 7, 2018, Governor Rick Scott issued Executive Order 18-276, declaring a sixty-day state of emergency for 26 counties in the state of Florida for Hurricane Michael. The counties include Escambia, Santa Rosa, Okaloosa, Walton, Holmes, Washington, Bay, Jackson, Calhoun, Gulf, Gadsden, Liberty, Franklin, Leon, Wakulla, Jefferson, Madison, Taylor, Hamilton, Suwannee, Lafayette, Dixie, Columbus, Gilchrist, Levy, and Citrus. On October eight, 2018, Governor Scott amended Executive Social club 18-276, to include Baker, Matrimony, Bradford, Alachua, Hernando, Pasco, Pinellas, Hillsborough, and Manatee Counties, under Executive Order xviii-277. Bringing the total number of counties under the Land of Emergency to 35.

The order prohibits price gouging for whatsoever essential commodity and instances should exist reported to the Attorney General's Office at 1-866-966-7226.

Federal Assist Programs for the State of Florida

The following listing is a summary of key federal disaster help programs.

Aid for Affected Individuals and Families Tin can Include as Required:

• Rental payments for temporary housing for those whose homes are unlivable. Initial assist may be provided for up to three months for homeowners and at to the lowest degree one calendar month for renters. Aid may be extended if requested later on the initial period based on a review of individual applicant requirements.

• Grants for home repairs and replacement of essential household items not covered by insurance to brand damaged dwellings prophylactic, sanitary and functional.

• Grants to replace personal holding and assistance run into medical, dental, funeral, transportation and other serious disaster-related needs not covered by insurance or other federal, municipality and charitable assist programs.

• Unemployment payments upwards to 26 weeks for workers who temporarily lost jobs because of the disaster and who do not authorize for land benefits, such as self-employed individuals.

• Depression-interest loans to cover residential losses non fully compensated by insurance. Loans available up to $200,000 for primary residence; $40,000 for personal property, including renter losses. Loans available up to $2 1000000 for business concern belongings losses not fully compensated past insurance.

• Loans upward to $ii million for small businesses, small agricultural cooperatives and near private, non-turn a profit organizations of all sizes that have suffered disaster-related greenbacks period problems and need funds for working uppercase to recover from the disaster's adverse economic impact. This loan in combination with a belongings loss loan cannot exceed a full of $ii million.

• Loans up to $500,000 for farmers, ranchers and aquaculture operators to cover production and holding losses, excluding primary residence.

• Other relief programs: Crisis counseling for those traumatized by the disaster; income taxation assistance for filing casualty losses; advisory aid for legal, veterans' benefits and social security matters.

How to Use for Assistance:
Individuals and business owners who sustained losses in the designated area can brainstorm applying for assistance past registering online at world wide web.DisasterAssistance.gov or past calling 1-800-621-FEMA (3362). Disaster assist applicants, who have a spoken language inability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), telephone call ane-800-621-3362. The toll-gratuitous phone numbers volition operate from vii a.k. to 9 p.m. (local fourth dimension) seven days a calendar week until further observe.

NFIP Flood Insurance Claims Information

If you have flood damage caused by Florida's recent Hurricane Michael, and you are insured through the National Flood Insurance Program, CFO Jimmy Patronis encourages yous to closely monitor the insurance claims process after reporting your loss.

Here are some tips to guide you through the inundation insurance claims process to ensure y'all receive all eligible insurance funds for your recovery.

What to Exercise Before an Adjuster Visits

• Take pictures of all the harm.

• If you accept coverage for personal holding, make a list of the damaged items. Retrieve, you may demand receipts or credit card records to prove ownership of certain items.

• Afterwards taking photos, immediately dispose of overflowing-damaged items which pose a health risk, such as perishable nutrient items, wearable, cushions and pillows. Cutting off and keep a 12-square-inch sample of building materials like carpets and drywall to show your flood adjuster, and set bated other damaged personal property items similar furniture, televisions and electronics.

• Have documents related to your damage prepare for inspection. This may include contractor's estimates and/or repair receipts.

• Also keep a tape of the claim number issued to you by your insurer.

What Happens During an Adjuster's Visit

• An insurance adjuster will contact you as soon as possible to schedule an engagement.

• Ask to see the adjuster'south official identification when he or she visits.

• The adjuster will take measurements and photographs and document your impairment. They volition provide yous with their contact information and, if required, the adjuster may revisit your property.

• Afterwards your home is inspected, the adjuster will consummate the covered estimate and provide you with a copy.

• A FEMA inspector or flood insurance adjuster volition never ask for money, approve or disapprove claims, or tell you whether your alluvion insurance company will approve your claim.

What Happens After an Adjuster'south Visit

• The adjuster will collect all the necessary data and documentation during the initial visit and will contact the policyholder as the claim progresses to an agreement and closure.

• If you disagree with the resolution of your claim, ask the adjuster to bear witness how they arrived at the effigy(s) and explicate the coverage if an item was excluded from payment, even though you feel it should exist covered.

• If the adjuster and insured are unable to come up to an amicable agreement, the policyholder may hire an independent contractor to prepare an estimate for flood related damage. If yous obtain some other guess, provide the adjuster with a copy immediately.

• If y'all disagree with the resolution of your claim, yous may appeal the amount to FEMA as outlined in the Flood Insurance Claims Handbook at https://www.fema.gov/media-library/avails/documents/6659

Claim Disputes

If your Flood insurance coverage is provided by an insurance visitor from the private insurance marketplace and you have a merits dispute, please call our toll-gratuitous Insurance Consumer Helpline at one-877-693-5236. One of our insurance specialists will exist happy to contact your insurance visitor on your behalf to assist in resolving your claim. You may too consider participating in our Mediation Program to seek resolution. Additional information about our Mediation Plan can be obtained hither.

If If your Overflowing insurance coverage is provided by the National Flood Insurance Programme either directly or through a "Write Your Ain Company" and you have a claim dispute, you must follow FEMA's claim dispute process outlined in their Overflowing Insurance Claims Handbook.

Visit www.floodsmart.gov to obtain additional information near overflowing insurance provided by the National Inundation Insurance Plan.

Contact your Homeowner's Insurance Company to obtain additional information about flood insurance provided by the voluntary market.

National Flood Insurance Program – Proof of Loss Extension

FEMA issued bulletin Westward-18026, to all Write Your Own (WYO) Insurance Companies, Directly Servicing Agents and Independent Adjusting Firms, giving authorization to waive the proof of loss requirements in Florida for losses resulting from Hurricane Michael. Direction was given to exercise their options to have an adjuster'southward written report to pay a claim. Additionally, the requirement that the policyholder sign the adjuster's report is waived.

WYO Companies must provide the policyholder with the following:

one) A copy of the adjuster's report supporting the claim payment;

2) If the payment is less than the adjuster's report, a written explanation of the departure; and

three) A letter from the adjuster that accompanies the claim payment check advising the acceptance of the cheque does not waive whatever of their rights to seek farther payments nether their alluvion insurance policy. The letter also provides direction to request additional payments past submitting a Proof of Loss within one twelvemonth following the appointment of loss. The letter of the alphabet offers assistance from the NFIP in submitting the Proof of Loss . Additional information can be located at https://world wide web.fema.gov/nfip-file-your-merits.

This conditional waiver doesn't change a policyholder'southward ability to submit a proof of loss seeking supplemental payment.

Disaster Unemployment Assist

DEO Hurricane Michael Recovery Flyer:

Available for Download in English

Consumer Tips to Recover After a Loss

• If it is safety, advisedly appraise your home and property for impairment. As presently as you are able, take pictures of whatsoever damage. These photos will be helpful when filing an insurance claim. Maintain copies of your household inventory and other documentation. This will aid the adjuster in assessing the value of the destroyed property.

• If you have damage, contact your insurance company directly as soon every bit possible to file a claim. Insurance adjusters take already been deployed into impacted areas to help manage your claims.

• Do non allow a third political party, such as a water remediation firm or contractor to contact your insurance company for you lot.

• If yous are asked to sign an Assignment of Benefits form by a contractor, make sure you read it carefully and empathise clearly what rights and benefits under your insurance policy you lot may be signing away. You do not need to sign an AOB in order to go your insurance claim processed or your residence repaired.

• Signing over your insurance benefits to a contractor may cause an increase in costs for which you could be left on the hook. Make sure that y'all stay in command of the home insurance policy you bought and paid for – and do not sign away that control to a 3rd party who may not have your best interests at heart.

• When possible, take steps to make temporary repairs that tin can aid prevent farther damage from occurring. Keep your receipts for any repairs or supplies yous purchase. Y'all may be reimbursed as part of your claim.

Additional Tips

• FEMA Fact Sheet: Adjusting Your Merits – Air current Harm vs. Flood Damage

• FEMA: NFIP - Flood Claim Process

• FEMA Flyer: FEMA Is Here To Assist

• Toll-Free Telephone Numbers by WYO Company for Claims and Policy Inquiries

• What to Await After Filing A Homeowners Claim Related to a Hurricane

Exist Aware of Fraud and Scams

In the aftermath of Hurricane Michael, Floridians should be aware and cautious of potential fraud, scams, identity theft and cost gouging. Following a tempest, scam artists and those looking to accept advantage of persons in need are more prevalent and you must be more vigilant.

Below are a few tips to protect yourself from potential fraud and scams:

Domicile Repair

• Use reputable and licensed contractors. To determine if a contractor is licensed, visit the Department of Business and Professional Regulation's licensee search.

• Ensure that contractors carry the proper liability and workers' compensation insurance past visiting the Sectionalization of Workers' Bounty website.

• Beware of contractors requesting that you pay more than than half of the toll upfront.

Charitable Donation Scam

• Before responding to solicitations for donations, ensure that the clemency is legitimate by reviewing the Souvenir Givers' Guide.

• Contact the charity directly to decide if the person requesting the donations is an employee or volunteer.

• Request a receipt with the charity's name, street address and phone number.

Disaster Assistance

• Beware of persons impersonating Federal Emergency Direction Agency (FEMA), country or local representatives. Official personnel should display their identification badges; should provide identification without hesitation, if asked; and say why they are in the expanse (i.east. surveying damage, providing help to residents, etc.). Representatives should not asking cash for services or personal information, such equally your Social Security Number, banking company account information, etc.

• If you are in demand of help from FEMA, contact the FEMA helpline at i-800-621-3362 or contact your local emergency management organisation.

• If you doubtable that someone is impersonating FEMA, country or local personnel, call 911 or contact the local law department or sheriff's office immediately.

Price Gouging

• Be cautious of businesses with inflated prices on essential items such as gas. Price gouging is prohibited and instances should exist reported to the Attorney General's Office at i-866-966-7226.

Additional Tips:

• Be on warning! Scammers volition popular upward later a storm. Be on alarm for them. Call the Department of Financial Services' Consumer Helpline at 1-877-693-5236.

• Be wary of wing-by-night repair companies. A quick fix is non always a proficient thing. Enquire to run across the identification and professional license of anyone who comes to your business firm offer to help with repairs. You tin can verify a contractor'south license and check to see if there are any complaints against them past calling the Florida Department of Business and Professional Regulation at (850) 487-1395. Also ask for references from previous work and be sure to report unlicensed contractors.

• All legitimate contractors must carry insurance. Ask for proof of liability and workers' compensation coverage, then verify it by calling the Segmentation of Workers' Bounty at 1-800-742-2214.

• Don't rush into signing a contract. If you rent someone to make repairs, fully read all work agreements before signing. Ask questions until you fully understand the documents and ask direct whether you every bit the homeowner or your insurance company will exist responsible for payment. Exist on the spotter for linguistic communication that gives the contractor the right to communicate or negotiate directly with your insurance company or language that requires all merits proceeds to be made payable to the contractor.

• If someone calls you lot on the phone asking for personal information, ask for a telephone call-back number and hang upwardly. Do not provide any information immediately. Legitimate organizations will cooperate.

• Practise not mail service personal details on social media sites. Mail to allow friends and family know that you're safe, but practise not post your home address and exercise not advertise that yous are abroad from habitation. Criminals are opportunists! They know that an empty home is an easy target!

• If yous run into suspicious activity of whatever kind, report it immediately! If it's happening to yous, it'due south happening to someone else, too. Call our Consumer Helpline to report fraud at i-877-693-5236.

Natural Disaster Guide - Are You Prepared?

Hurricanes aren't the merely disasters that Floridians need to be prepared for each year. Wildfires, floods, tornadoes and sinkholes are other reasons why it pays to make sure your homeowners' insurance is acceptable, and that your financial interests are up-to-engagement and protected.

This guide contains information that can exist extremely valuable in the event of a natural disaster.

Bachelor for download in English or Spanish

Emergency Financial Preparedness Toolkit

An of import aspect of disaster preparedness is financial preparedness. This toolkit is designed to assistance yous organize your financial information before and subsequently a disaster.

Available for Download in English, Spanish or Creole

Disaster Assistance Brochure

This brochure offers tips on dealing with damage from hurricanes and other natural disasters, including numbers to telephone call for assistance with insurance problems.

Available for Download in English language, Spanish or Creole

Generator Brochure

A generator can be your best friend during a hurricane or prolonged power outage. But misused generators tin can lead to deadly-causing fires, electrocution or carbon monoxide poisoning.

Available for Download in English, Spanish or Creole

Homeowner Claims Beak of Rights

Homeowner Claims Beak of Rights:

Notice out what your rights are as a residential property policyholder under the Homeowner Claims Bill of Rights.

Bachelor for Download in English, Spanis h or Creole

Homeowners' Insurance - A Toolkit For Consumers

This toolkit provides helpful suggestions to prepare you lot for whatever type of claim that involves the largest investment you've made - your home.

Available for Download in English, Spanish or Creole

Renters' Insurance

This toolkit provides information to aid you with insuring your personal property. It also contains tools to aid you lot if you have a covered loss.

Available for Download in English language or Spanish

Florida Hurricane Deductible

Learn more than about your hurricane deductible and when it applies.

Bachelor for Download in English or Spanish

For additional information regarding Florida's Hurricane Deductible, click hither.

What to Expect After Filing a Homeowners Merits Related to a Hurricane

Learn more than about what to expect afterward reporting a hurricane-related merits to your insurance company or agent.

Available for Download in English, Spanish or Creole

The Overflowing Claims Process

Larn more about what to wait later reporting a flood claim to your insurance company or agent.

Available for Download in English, Spanish or Creole

Assignment of Benefits

Larn more than about assignment of benefits and how it tin can impact a homeowner.

Available for Download in English or Spanish

For additional information on Consignment of Benefits, click here.

Disaster Recovery for College Students

The aftermath of a disaster is a claiming for anyone, but for students living away from home, information technology may get out them feeling particularly vulnerable. It is important for you to prepare for a disaster and to know what steps to take subsequently i occurs. About colleges and universities have disaster plans in place; be sure to cheque your school's website for its disaster instructions.

For additional tips to help college students before and later on a disaster, visit Affordable College Online's Recovering from a Natural Disaster in College guide.

State Agencies

Florida Emergency Information Line (FEIL): 1-800-342-3557

Florida Relay Service: Individuals who make calls using the Florida Relay Service should punch 711.

• Bureau for Wellness Intendance Administration
  Consumer Complaint, Publication and Information Call Center: 888-419-3456 / 800-955-8771 (Florida Relay Service)
  Website: www.ahca.myflorida.com

• Agency for Persons with Disabilities
  Toll-Free: 1-866-APD-CARES or 1-866-273-2273
  CDC+ Program Client Service: 1-888-329-2731
  Website: www.apd.myflorida.com

• Agency for State Technology
  Website: www.ast.myflorida.com

• Attorney General
  Fraud Hotline: ane-866-966-7226
  Price Gouging Hotline: 1-866-966-7226
  Website: www.myfloridalegal.com

• Auditor General
  Website: http://www.myflorida.com/audgen/

• Section of Agriculture and Consumer Services
  Consumer Aid and Information: 1-800-HELP-FLA or 1-800-435-7352
  Arson Hotline: 1-800-342-5869
  Plant Industry Helpline: 1-888-397-1517
  Fair Rides 24-60 minutes Accident Reporting: 1-800-663-3542
  Website: www.freshfromflorida.com

• Department of Business organization and Professional Regulation
  Unlicensed Activity Complaint Line: 1-866-532-1440
  Website: www.myfloridalicense.com

• Department of Children and Families
  Florida ACCESS Customer Phone call Center: 1-866-762-2237
  Florida Abuse Hotline: ane-800-96-ABUSE or 1-800-962-2873
  Suicide Prevention Hotline: i-800-273-8255
  Website: www.myflfamilies.com

• Department of Citrus
  Website: world wide web.floridacitrus.org

• Department of Corrections
  Website: www.dc.state.fl.united states of america

• Section of Economic Opportunity
  Reemployment Aid Program (Claims and Benefits): 1-800-204-2418
  Website: www.floridajobs.org

• Section of Educational activity
  Website: world wide web.fldoe.org/contact-united states

• Department of Elder Affairs
  Elder Helpline: 1-800-96-ELDER or one-800-963-5337
  Long-term Care Resident Complaint: 1-888-831-0404
  Website: www.elderaffairs.land.fl.united states of america

• Department of Environmental Protection
  Website: world wide web.dep.state.fl.us

• Department of Financial Services
  Consumer Helpline: ane-877-MY-FL-CFO or 1-877-693-5236
  Out of Land: (850) 413-3089
  Website: world wide web.myfloridacfo.com

• Section of Health
  Zika Hotline: 855-622-6735
  Website: world wide web.floridahealth.gov

• Department of Highway Prophylactic and Motor Vehicles
  Florida Highway Patrol (Traffic Incidents by Region): http://www.flhsmv.gov/florida-highway-patrol/traffic-incidents-by-region/
  Website: world wide web.flhsmv.gov

• Section of Juvenile Justice
  Central Communications Center Incident Hotline: 1-800-355-2280
  Florida Delinquent Hotline: 1-800-621-4000
  Prevention Helpline: 1-866-757-0634
  Website: www.djj.country.fl.us

• Department of Law Enforcement
  Enforcement and Investigative Support & Crimes Confronting Children/Registration Violation Team: 888-335-3767
  Missing and Endangered Persons Hotline: 888-FL-MISSING or 888-356-4774
  Sexual Offender/Predator Registration Hotline: 888-357-7332
  Website: www.fdle.land.fl.the states

• Section of Lottery
  Website: world wide web.flalottery.com

• Department of Management Services
  Website: www.dms.myflorida.com

• Department of War machine Affairs
  Website: www.dma.myflorida.com

• Department of Revenue
  Child Support Client Service: 800-622-KIDS or 800-622-5437
  Child Back up Payment Research: 877-769-0251
  Tax Information and Aid: 800-352-3671
  Website: www.dor.myflorida.com

• Department of Land
  Website: world wide web.dos.myflorida.com

• Department of Transportation
  Real-Fourth dimension Traffic and Roadway Information: 511
  Road Ranger Service Patrol: *FHP or *347
  Fraud Hotline: 800-255-8099
  Toll Program (SunPass): 888-865-5352
  Website: www.fdot.gov

• Department of Veterans' Affairs
  Website: www.floridavets.org

• Sectionalisation of Emergency Management
  Website: www.floridadisaster.org

• Executive Office of the Governor
  Website: www.flgov.com

• Fish and Wildlife Conservation Commission
  Wildlife Alarm Program: 888-404-FWCC or 888-404-3922
  Website: world wide web.myfwc.com

• Florida Cabinet
  Website: http://www.myflorida.com/myflorida/cabinet/

• Florida Clerk of Court Operations Corporation (CCOC)
  Website: http://www.flccoc.org

• Florida Commission on Offender Review
  Victims' Services Unit of measurement: ane-855-850-8196
  Website: www.fcor.country.fl.us

• Florida Courts
  Website: www.flcourts.org

• Florida Legislature
  Website: www.leg.state.fl.usa

• Part of Financial Regulation
  Website: www.flofr.com

• Function of Insurance Regulation
  Website: world wide web.floir.com

• Public Service Commission
  Website: www.floridapsc.com

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Source: https://www.myfloridacfo.com/division/consumers/hurricanemichael.htm

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