Researching claim types? Here’s what matters more than the category.
Most people looking up the types of insurance claims are dealing with one right now — filed, about to file, or already underpaid. Here’s what every insurer knows and most policyholders don’t: the category of your claim matters far less than how the loss is documented and characterized. That’s the part that decides what you’re paid — and it’s exactly what we handle. If any of the property claims below is yours, especially one that was denied or underpaid, the most valuable move is to talk to us.
The main types of property insurance claims in Florida
Denied, closed, or underpaid on any of these?
That’s where we do our best work — see what to do when a claim is denied or underpaid, and talk to a licensed public adjuster near you, at no out-of-pocket cost.
Types of Insurance Claims: First-Party
First-party insurance describes an insurance policy purchased by an individual directly from an insurance provider. When a policyholder experiences an illness or injury or incurs damage to an insured piece of property, he or she can submit a claim for payment or, in some cases, reimbursement, to their insurer. When a policyholder submits a claim under his or her insurance policy, it is considered first-party coverage. An insurance company dealing with that claim must treat the policyholder reasonably and in good faith. If they fail to do so, a policyholder may bring an insurance claim against the insurer, seeking damages beyond the initial contract benefits. When you work with Public Loss Adjusters, you are filing a first-party claim.
Types of Insurance Claims: Homeowner Claims
Most homeowners protect themselves against financial loss due to property damage caused by wildfire, wind, tornadoes, natural disasters such as hurricanes, and robbery or vandalism by carrying residential property insurance. Homeowners pay insurance premiums so that they will be covered if damage does occur. After a break-in, catastrophe or natural disaster hits, you expect your insurance company to pay full value on your claim. Unfortunately, insurers may delay your claim or say the limits of your policy exclude coverage for your incurred losses. Failure to investigate or fairly pay your claim can give a homeowner cause to file a first-party insurance claim against an insurer.
Some common types of insurance claims filed by homeowners include:
- Leak and water intrusion claims
- Water damage claims
- Fire claims
- Electrical damage claims
- Mold damage claims
- Theft claims
- Vandalism claims
- Appliance failure claims
Types of Insurance Claims: Natural Disaster Claims
Many people carry insurance policies to protect them from damages caused by hurricanes, earthquakes, windstorms, and other natural disasters. Wind and hail insurance pays for damages resulting from hurricanes, tornadoes, wind, and hail. Typically, these policies do not pay for damage caused by floods or storm surges. Coverage for damage caused by flooding must be obtained from the National Flood Insurance program. Home, business, and commercial property owners making property insurance claims after a natural disaster may face disputes with insurers concerning policy limits, replacement costs, physical damage, cost of repair damages, business interruption, or application of exclusions. If an insurance company unfairly delays or denies a covered claim, parties insured against natural disaster damages may file a first-party insurance claim.
Some common types of insurance claims filed after natural disasters include:
- Flood damage claims
- Hail damage claims
- Wildfire claims
- Tornado damage claims
- Hurricane damage claims
- Earthquake claims
- Lightning damage claims
- Wind damage claims
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⏰ Underpaid on a past property claim? Florida law may still give you a window.
If a Florida insurer closed or underpaid a property claim, Fla. Stat. 627.70132 generally gives you a running window to act — but the clock runs from your date of loss, not the day you discover the shortfall. In most cases that means you may have less time than you think.
Your policy’s own notice terms can be shorter, and every claim is different. Whether your window is still open — and acting before it closes — is exactly what we handle. Call (352) 353-4556 and we’ll tell you where you stand.
Is My Window Still Open? — Call (352) 353-4556General information about Florida claim deadlines, not legal advice. Statutory windows can vary by claim and policy, and your policy’s prompt-notice terms may be shorter — contact us to confirm your specific deadline.
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Tell us what happened and a licensed public adjuster will review your claim — no cost, no obligation. We only get paid when you do.
