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SOS RESOURCE CENTER · FLORIDA PROPERTY OWNERS

Find the company on your policy.
Keep the next call clear.

Official insurance claims contacts and practical recordkeeping resources.

Start with your declarations and any transfer or assumption notice. Match the insurer and policy period covering the loss; the company may differ from the brand or agent that sold the policy. If you are unsure of the date or cause of damage, say so rather than guessing.

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INSPECTION & DOCUMENTATION

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Original roof packet · Original whole-property packet

Florida insurance claims contacts

29 selected insurer, group and agency routes. This is not an exhaustive list, a recommendation, or proof that an insurer is accepting new policies. Contact details were reviewed against official sources on October 14, 2026. Calls, logins and claim submissions were not tested.

29 contacts shown

Florida residual-market insurer

Citizens Property Insurance Corporation

residential property · commercial residential / policy-specific

Call claims: 866-411-2742Official claims instructions (new tab) ↗

General / policy support: 866-411-2742

File through myPolicy or phone. For assumed policies, check the loss date and assumption notice before choosing a carrier.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

Universal Property & Casualty Insurance Company

residential property

Call claims: 800-470-0599Official claims instructions (new tab) ↗

General / policy support: 800-425-9113

Not Universal North America / One Alliance. Published executive or investor emails are not claims or support addresses.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer brand

Security First Insurance

residential property

Call claims: 877-333-9992Official claims instructions (new tab) ↗

General / policy support: 877-333-9992

Find an agent (new tab) ↗

Current carrier page routes new claims by phone or website live chat. Older directories list different numbers.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

State Farm

residential property · business property / policy-specific

Call claims: 800-732-5246Official claims instructions (new tab) ↗

General / policy support: 800-782-8332

Find an agent (new tab) ↗

Match the State Farm underwriting entity on the policy.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

Allstate

residential property · business claims routing

Call claims: 800-255-7828Official claims instructions (new tab) ↗

General / policy support: 800-726-6033

Find an agent (new tab) ↗

Check the named insurer; an agency may have placed property insurance with a different carrier. Contact page has an email form, not a verified public mailbox.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

USAA

residential property

Call claims: 800-531-8722Official claims instructions (new tab) ↗

General / policy support: 800-531-8722

Use USAA app or website for auto/property claims. Confirm the underwriting entity and any separately insured flood policy.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

Florida Peninsula Insurance Company

residential property

Call claims: 866-549-9672Official claims instructions (new tab) ↗

General / policy support: 877-229-2244

Published claims email: csclaims@floridapeninsula.com
Claims contact in Citizens takeout guide; use phone/portal for clear first notice

Policy / support email: customerservice@floridapeninsula.com

Find an agent (new tab) ↗

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

Edison Insurance Company

residential property

Call claims: 888-683-7971Official claims instructions (new tab) ↗

General / policy support: 866-568-8922

Published claims email: csclaims@edisoninsurance.com
Existing-claim documents / estimate differences; not verified as initial-report mailbox

Policy / support email: customerservice@edisoninsurance.com

Find an agent (new tab) ↗

Claims email is officially published for existing-claim estimate correspondence; use phone/portal for first report.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

Slide Insurance Company

residential property · commercial residential

Call claims: 866-230-3758Official claims instructions (new tab) ↗

General / policy support: 800-748-2030

Published claims email: claims@slideinsurance.com
Follow the official instructions before sending claim information.

Policy / support email: policyservices@slideinsurance.com

Commercial residential claims: call the same claims number. Contact Slide about policy-specific emergency-service and repair requirements.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

Homeowners Choice Property & Casualty Insurance Company, Inc.

residential property

Call claims: 888-210-5235Official claims instructions (new tab) ↗

General / policy support: 888-210-5235

Published claims email: FNOL@hcpci.com
New claims

Policy / support email: customerservice@hcpci.com

Existing claim contact

Call: 888-475-0222

Claims@hcpci.com

Match the policy and claim type before using this route.

Official source (new tab) ↗

New claim: phone or FNOL email. Existing claim: 888-475-0222 or Claims@hcpci.com. Citizens takeout guide also publishes 866-324-3138; carrier contact page is the primary routing source.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

TypTap Insurance Company

residential property

Call claims: 844-289-7968Official claims instructions (new tab) ↗

General / policy support: 844-289-7968

Published claims email: FNOL@TypTap.com
New claims

Policy / support email: customerservice@typtap.com

FNOL mailbox is for new claims. Home insurance is underwritten by TypTap Insurance Company; confirm separate flood underwriting on the policy.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer brand

Heritage Property & Casualty Insurance

residential property · commercial residential / policy-specific

Call claims: 855-415-7120Official claims instructions (new tab) ↗

General / policy support: 855-536-2744

Current claims page starts with a phone call; text continuation may be offered. Use assigned adjuster for status. Older portals show other general contacts.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / servicing brand

Tower Hill

residential property · commercial property

Call claims: 800-342-3407Official claims instructions (new tab) ↗

General / policy support: 800-342-3407

Published claims email: claims@thig.com
Claim documentation and existing-claim questions; use portal/phone for initial residential report

Commercial claim contact

Call: 800-342-3407

CommercialClaims@thig.com

Match the policy and claim type before using this route.

Official source (new tab) ↗

Residential email is for claim documents with claim number. Commercial claims email: CommercialClaims@thig.com. Tower Hill Specialty claims: 888-795-7256. Match the exact entity on declarations.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

People's Trust Insurance Company

residential property

Call claims: 561-609-1002Official claims instructions (new tab) ↗

General / policy support: 561-609-1000

Policy / support email: csr@peoplestrustinsurance.com

Phone or myPTI portal. Repair handling can depend on a Preferred Contractor Endorsement; check policy requirements before committing to repairs.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

Olympus Insurance Company

residential property

Call claims: 866-281-2242Official claims instructions (new tab) ↗

General / policy support: 800-711-9386

Published claims email: olympusclaims@oigfl.com
Follow the official instructions before sending claim information.

Policy / support email: policyservices@oigfl.com

Contact page has File a Claim link. Flood policies have separate reporting contacts; do not use the property route for all flood losses.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer brand

Florida Family Insurance

residential property

Call claims: 888-486-4663Official claims instructions (new tab) ↗

General / policy support: 888-850-4663

Published claims email: claims@floridafamily.com
Follow the official instructions before sending claim information.

Policy / support email: customerservice@floridafamily.com

Contact page is a reliable claims-routing page. Check the declarations for the exact Florida Family underwriting company.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

Cypress Property & Casualty Insurance Company

residential property

Call claims: 877-560-5224Official claims instructions (new tab) ↗

Published claims email: newclaim@cypressig.com
New claims

Official page offers phone, newclaim email, online claim form and mobile app. Separate general-service number not verified in this pass.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

brand / servicing organization; Florida reciprocal insurer shown as Kin Interinsurance Network

Kin

residential property

Call claims: 866-204-2219Official claims instructions (new tab) ↗

General / policy support: 855-216-7674

Use customer portal or claims.kin.com/start. Existing claim: assigned specialist. Florida policy/payment name on official contact page is Kin Interinsurance Network; verify declarations.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

Florida Farm Bureau Insurance

residential property · farm / policy-specific

Call claims: 866-275-7322Official claims instructions (new tab) ↗

General / policy support: 352-378-1321

Find an agent (new tab) ↗

Use county agent for policy/billing; My Account supports online reporting. Confirm exact underwriting company.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

Travelers

residential property · commercial property

Call claims: 800-252-4633Official claims instructions (new tab) ↗

General / policy support: 888-564-5043

Commercial claim contact

Call: 800-238-6225

Match the policy and claim type before using this route.

Official source (new tab) ↗

Home/personal property: number shown. Business claims: 800-238-6225. Business policy service goes through your agent; billing 800-252-2268. Use page links to the correct online filing flow.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

The Hartford - commercial property

commercial property

Call claims: 800-327-3636Official claims instructions (new tab) ↗

General / policy support: 866-467-8730

Commercial property route. Flood claim number on official page: 800-787-5677. This is not the personal-home claims line.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

Chubb

residential property · commercial property

Call claims: 800-252-4670Official claims instructions (new tab) ↗

General / policy support: 800-682-4822

Published claims email: cscfnol@chubb.com
Chubb Main first notice

Find an agent (new tab) ↗

Commercial claim contact

claims.smallbusiness@chubb.com

Small commercial only

Official source (new tab) ↗

Chubb Main email shown. Small commercial: claims.smallbusiness@chubb.com. ACE-origin policies have separate contacts on official claims page; follow policy routing.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

Nationwide

residential property · commercial property

Call claims: 800-421-3535Official claims instructions (new tab) ↗

General / policy support: 877-669-6877

Auto/property and commercial claims use the number shown. Commercial service: 888-508-8622. Farm/ranch and commercial agribusiness have distinct claims lines; use policy-specific routing.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer brand plus agency/partner distribution

Progressive / ASI

residential property

Call claims: 866-274-5677Official claims instructions (new tab) ↗

General / policy support: 800-776-4737

Number shown is ASI/Progressive property claims only. Progressive may place home coverage with partner insurers that handle their own claims. Use the exact company in your policy; general number helps route.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

Liberty Mutual

residential property

Call claims: 800-225-2467Official claims instructions (new tab) ↗

General / policy support: 800-290-8711

Home claims route. The official filing page currently displays a Safeco transition notice; follow policy-specific instructions. Business policyholders should use the business claims site.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer group / brand

Auto-Owners Insurance

residential property · commercial property

Call claims: 888-252-4626Official claims instructions (new tab) ↗

General / policy support: 800-346-0346

Contact your independent agent first. Number shown is after-hours / agent-unavailable reporting. Property initial reporting is not represented as universally online; online account provides claim status.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

managing general underwriter / third-party policy administrator; not the underwriting insurer

SageSure

residential property · commercial property / policy-specific

Call claims: 866-311-7243Official claims instructions (new tab) ↗

General / policy support: 800-481-0661

Find an agent (new tab) ↗

Use MySageSure for reporting/tracking. Match underlying insurer in declarations. Current SageSure-owned contacts supersede generic partner-list numbers for SageSure servicing.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurance agency / distributor; property partner is the underwriting insurer

GEICO Insurance Agency - property partner routing

residential property

Choose your property insurer using the official partner instructions.

Official claims instructions (new tab) ↗

Select your actual property insurer from the official partner list. No single generic GEICO auto claims phone is presented as a universal home-claim number. If uncertain, use your declarations or agency service page.

The official partner page blocked our automated route check. If it does not open, use the property insurer and contact number on your declarations.

Sources checked October 14, 2026
  • claims page: Source (new tab) ↗ — Official filing instructions / routing page; may lead to login

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

insurer

American Integrity Insurance Company of Florida

residential property

Call claims: 866-277-9871Official claims instructions (new tab) ↗

General / policy support: 866-968-8390, option 4

Published claims email: claimsmail@aii.com
Claims contact published in Citizens takeout guide, revised 2026-10-06; confirm first-notice acceptance by phone

Policy / support email: contact@aii.com
Depopulation contact

Phone is corroborated by Progressive official partner routing and Citizens official takeout guide. Carrier website could not be read in this pass. No untested direct filing URL is supplied.

Sources checked October 14, 2026

Official source review, not a test call or claim submission. Missing email fields mean no suitable public mailbox was verified.

Match the exact insurer and policy period on your declarations; a brand or servicing agency may differ from the underwriting company.

Can’t find your insurer?

Check your declarations or ask your insurance agent. Florida OIR consumer resources (new tab) ↗ includes an Active Company Search for the exact legal entity. Similar names do not mean the same insurer.

Florida DFS Consumer Services handles policy questions and complaints, not insurer claim intake: 877-693-5236 in Florida or 850-413-3089 outside Florida.

Before and after the call

Construction work and claim decisions are separate.

Construction observations, photographs and itemized estimates describe proposed work; they do not determine insurance coverage. Coverage decisions belong to the insurer. Licensed public adjusters and attorneys handle representation within their authorized roles. SOS does not promise insurance payment, waive deductibles or offer policy interpretation or claim negotiation through this directory.

Florida contractor insurance-practice rules (new tab) ↗ · Storm recovery guide · Roof inspection information

Your policy and insurer’s instructions control. This educational directory does not extend a deadline or guarantee coverage, payment or a service response.