We are working non-stop to make sure our policyholders are receiving the services they need. If you need to report a claim, you can report your claim online with no wait time, or call us at (877) 581-4862. To assist our customers and to make the claim process as easy as possible we've developed the following information, which includes answers to commonly asked questions, a video of our catastrophe response, and tips to avoid insurance fraud. We look forward to serving you throughout recovery and the repair process.
We have expanded our team and have our insurance professionals working around the clock to serve our customers. Thank you for being our customer and for your patience. Rest assured we are working as quickly as possible to process every single claim.
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. Click the button to see the full list of FAQs.
You have several options. You may call our toll-free claims number at (877) 581-4862. 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 examiner to discuss your claim and a field adjuster will contact you to schedule an inspection of your property. The field adjuster willl inspect your home 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.
You do not need to report a claim if there was no damage to your property. You are responsible for removing any tree remaining on your property to maintain your property and to prevent anyone from being injured.
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 Coverage to your policy with us.
Your policy declarations page is the first page in your policy package. It contains a brief overview of your policy's specific coverages and exclusions. The following guide breaks the page down section by section to help you understand the key information.
Contact your agent for an emailed copy of your declarations page.
Download our Hiring a Contractor Guide to find the best practices to avoid scams and find a licensed and registered contractor.
- 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. 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 prolonged response times.
Our Customers are our Top Priority
In 2017, we set up resources to serve tens of thousands of our customers affected by Irma. No matter the size of the storm, we will always be there for you.