PA License Number for Florida 197242 / Wind Certified Umpire and Appraiser / IAUA Associate Appraiser / FAPIA Associates Member and Ambassador / Puerto Rico License 3000461294
How to File a Homeowners Insurance Claim in 2025
Alconero and Associates Public Adjusters
Est. 2000 - More than 25 years working for you, not for insurance companies
Water Damage, Flood Damage, Mold Damage, Storm Damage, Hurricane & Wind Damage, Smoke Damage, Smoke Damage, Lightning Damage, Fire Damage, Leak Damage, Business Interruption, Theft & Vandalism, Sinkholes
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How to file a homeowners insurance claim
Filing a homeowners insurance claim can be a daunting task, especially after experiencing significant damage to your property. Understanding the necessary steps and best practices can help streamline the process and maximize your compensation. At Alconero and Associates Public Adjusters, we bring over 25 years of experience as Certified Public Adjusters in the state of Florida. Based on our expertise, here’s a comprehensive guide on how to file a homeowners insurance claim in 2025.
Safety First
When disaster strikes, your top priority should be the safety and well-being of your loved ones. Depending on the type of damage, hazardous conditions may arise, making your home unsafe.
1. Ensure Safety – Make sure everyone is safe and secure. If necessary, evacuate immediately and call emergency services.
2. Contact Authorities – Report the damage to the appropriate authorities, such as the fire department or police, especially in cases of fire, theft, or vandalism.
Document Everything
Once it is safe to do so, begin documenting the damage—this step is essential for your homeowners insurance claim.
1. Photographs and Videos – Capture clear photos and videos of all damage from multiple angles.
2. Keep Records – Save all repair invoices, receipts, and any proof of lost income or purchases related to the damage.
3. Create a Detailed Inventory – Make a comprehensive list of damaged or lost items, including their estimated value.
Schedule a free inspection now and let our experts assess the damage to your property
At Alconero and Associates Public Adjusters, we understand how overwhelming this process can be. Since 2014, we have been here to help you navigate your homeowners insurance claim and ensure you receive the compensation you deserve.
We don’t charge unless you get paid first.
File a Homeowners Insurance Claim
Navigating the insurance claim process can be complex. Hiring a public adjuster can help ensure you receive the maximum compensation possible.
1. Contact Alconero and Associates Public Adjusters – Use our digital platform to connect with our certified public adjusters, contractors, engineers, roofers, plumbers, and other specialists.
2. Get a Free Inspection – Our public adjusters will conduct a thorough inspection and detailed assessment of the damage.
3. Policy Evaluation – We will review your insurance policy, identify your coverage, and help you understand your entitlements.
Claim Process: Verify Your Coverage Using the DICE Pages
The DICE Pages
Before filing your claim, ensure that the damages are covered by your policy. Review the DICE pages, which outline the key components of your insurance policy:
1. Declarations Page – Provides the policyholder’s information and coverage limits.
2. Insurance Agreement Page – Details the agreement between you and the insurance company.
3. Conditions Page – Lists the terms and conditions under which the policy is valid.
4. Exclusions Page – Specifies what is not covered by your policy.
The DICE pages are critical in the claims process, as they contain the most important details of your policy. While the rest of the policy includes generic information, these pages provide a concise summary of your coverage, conditions, and exclusions.
File Your Claim Promptly
Timeliness is crucial in filing your claim to ensure a higher settlement for your damages.
1. Contact Your Insurer: Notify your insurance company of the damage as soon as possible. However, never contact your home insurance unless you are ready to file a big claim for significant losses.
2. Free Inspection: Schedule a free inspection with a professional to assess the damages on-site.
3. Documentation: Provide all necessary documentation, including the evidence you gathered.
What Our Certified Work Involves
1. Collecting Solid Evidence
Your claim must be supported by strong evidence to prevent disputes with the insurance company. We gather the necessary documentation to help you secure the maximum reimbursement for the damage to your property.
2. Preparing Detailed Reports
We create comprehensive damage reports to prevent technicalities in your policy from affecting your claim process.
3. Expert Perspective
Benefit from the expertise of our professionals, who can identify critical details that might otherwise be overlooked—details that insurance companies could use to limit your compensation.
Manage Payments
Receiving the first payment from your insurance company does not necessarily mean your compensation is complete.
1. Careful Document Review
We meticulously review all documents, ensuring you do not unknowingly waive your right to file supplemental claims.
2. Supplemental Claims
If the initial payment is insufficient, we can reopen your claim to request additional compensation.
Ongoing Assistance with Alconero and Associates Public Adjusters
Even after we secure your compensation, Alconero and Associates Public Adjusters remains committed to protecting your interests and staying vigilant for any potential issues with your property.
1. Reopening Claims – If new damage is discovered or the initial settlement is insufficient, we will reopen your claim and fight for the full compensation you deserve.
2. Continued Support – Our experienced public adjusters will assist you with supplemental claims, ensuring you receive the maximum payout to which you are entitled.
Why Hiring a Public Adjuster Matters
Filing a homeowners insurance claim involves several critical steps—from ensuring safety to documenting damage and managing the claims process. Insurance companies prioritize their profits by minimizing policy payouts, often leveraging teams of lawyers to reduce the amount they pay for damages to your property.
This is where Alconero and Associates Public Adjusters makes a difference. A certified public adjuster is an invaluable ally in strategically presenting your case, ensuring that every aspect of your claim is properly documented and negotiated to secure the highest possible settlement.
Hiring a certified public adjuster leads to a more thorough assessment of damages and a greater likelihood of higher compensation, making it a smart and beneficial decision for many policyholders.