After the Storm

We Are Here For You  

We have expanded our team and have our insurance professionals working around the clock to serve our customers. We are expecting to receive 4,000 claims from this storm. Thank you for your patience and rest assured we are working as quickly as possible to process every single claim. 

Frequently Asked Questions

Please note that these are general statements that primarily apply to homeowners insurance policies (not necessarily renters, condo owners or rental property policies). Please speak to a representative for specific information about your circumstance.

You have several options. You may call our toll-free claims number at . You can also file a claim online using our My Security First customer portal or our free mobile app, Security First Mobile. For more information, please visit our claims center.  

A hurricane is an “Act of God,” so your specific policy’s premium will not increase as a result of your claim nor will it be canceled because you filed a hurricane claim. 

You will be contacted by an adjuster, and an inspection of your property will be scheduled. The adjuster will inspect your property and estimate repairs for any covered damage. If your claim exceeds your Hurricane Deductible, we will issue a payment for the amount over the deductible. If needed, we can help you find a licensed and insured contractor in your area to repair your home. 

The Hurricane Deductible you selected for your policy is the amount you are responsible for paying before insurance will cover the damage caused by a hurricane. The Hurricane Deductible is a Calendar Year Deductible meaning that if you pay your Hurricane Deductible in full, and in the same year another hurricane damages your covered property, you will not need to pay the deductible again. Even if your damage is below the Hurricane Deductible, it will count toward any hurricane claims you file in 2018. You pay it once in a single year no matter the number of times your home is damaged by a hurricane. 

You do not need to report a claim if there was no damage to your property. You will be responsible for removing the portion of the tree remaining on your property in order to maintain your property and prevent anyone from being injured. 

It depends. The policy does not cover removal of debris left by the hurricane. However, if a tree damages covered property, some debris removal is covered. If you think you have damage to covered property, you should file a claim. Even if you don’t file a claim, we can help you to find a local contractor to remove debris and trees as a referral service, but you will be responsible for the cost of maintaining your property. 

Probably not. Expenses for evacuating are only covered if you were ordered to evacuate by a civil authority, and only for covered perils. 

However, if you return and find your home unlivable due to hurricane damage that’s covered by your homeowner’s insurance policy, then additional living expenses are covered by our homeowner’s insurance policy in accordance with the terms and limits of your policy. 

Reimbursement for food that spoils will be provided if the cause of food spoilage is due to a covered loss. An example of a covered loss is an appliance that loses power due to lightning. Food spoilage due to a general power outage is not covered. 

Most Security First Insurance’s homeowners insurance policies (HO3 - Home, HO6 - Condo, and HO4-Renters) include replacement cost for most contents. This means that the insured personal property that’s damaged by a covered loss will be valued brand new and not at the depreciated value.  

We made the decision to include this coverage in our standard homeowner’s insurance policies to help ease the recovery process for our customers. 

Structures such as fences, docks, sheds and screened enclosures are not covered for damage caused by hurricanes. Additionally, damages caused by storm surge or flood are not covered by a homeowner’s insurance policy. 

Damage caused by floods is not covered by most homeowner’s insurance policies. You need a flood insurance policy to receive coverage for damage caused by floods or storm surge. Contact your agent to determine if you have a separate flood insurance policy or if you've added our Flood & Water Backup Coverage to your Security First Insurance policy. 

Coverage D, also called Loss of Use, that’s listed on your policy provides you with reimbursement for additional living expenses that you incur, if your insured home is unlivable due to a covered loss. 

It depends on the severity of the damage. If you have a few missing shingles, then you may not need a full roof replacement. Keep in mind, damage isn’t always easy to detect, so it’s important that your roof is inspected by a licensed adjuster or a licensed contractor. If you think you have covered damage, you should file a claim and we will inspect your home. 

Only you can authorize repairs to your home, and you should only begin repairs once we provide you with an estimate of repair. This will help ensure that you do not incur unexpected out-of-pocket expenses. 

If the estimate provided by your contractor is higher, you should notify us before work begins. We will work with your contractor to ensure your home is repaired correctly and that the repairs are covered by your homeowner’s insurance policy. 

If wind or a tree damaged your roof during the storm, and rain entered through that damage, then coverage would apply. If your home is damaged, you should file a claim and we will inspect your home. 

Please call Nexxus services at (855) 963-9987

Please contact our Claims Department to notify us of the additional damage. You can email us at Claims@SecurityFirstFlorida.com or call us at 877-581-4862, option 2. Please include your claim number in your email. This way, if we need to reinspect the home, we can make these arrangements. If you already have a contractor, ask them to submit documentation along with an estimate for the additional damages by email to your claims examiner. Including this additional information will prevent delays in the processing of your claim. If you do not have a contractor, we would be happy to refer you to a licensed and insured contractor in your area. 

To prevent additional damage to your property, we suggest temporarily repairing or tarping areas that have been affected. 

what to look for when detecting fraud

Fraud Tips

  • Lookout for bogus pleas for post-disaster donations. Verify legitimate solicitations by asking for the charity’s exact name, street address, phone number and website. Phone the charity and confirm that the person asking for funds is a genuine employee or volunteer. Don’t pay donations with cash. Request a receipt with the charity’s name, street address, and phone number.
  • Watch out for fake offers of state or federal aid. Beware of visits, telephone calls, or emails — claiming to be from FEMA or the State of Florida — asking for your Social Security number, bank account number, or other sensitive information.
  • Avoid scam artists who promise a disaster grant and ask for large cash deposits or advance payments in full. Federal and state workers never solicit or accept money or charge applicants for disaster assistance, inspections, or help in filling out applications.
  • Another common post-disaster fraud practice involves phony housing inspectors. Always ask to see more identification.
  • According to the Coalition Against Insurance Fraud, $80 billion a year is wasted on fraudulent insurance claims. Be on the lookout as we clean up after the storm. If you see someone who’s clearly doing additional damage to their property, be sure to report it to the Division of Insurance Fraud. It’s illegal and it causes those with legitimate claims to endure a longer wait for a response.
Our Customers are our Top Priority 

Watch this video of the steps we took to prepare for landfall and set up resources to serve tens of thousands of our customers affected by Irma in 2017. No matter the size of the storm, we will always be there for you.