Former Florida Deputy Insurance Commissioner Lisa Miller was interviewed by Tom Flanigan on WFSU-FM, National Public Radio for Florida, just hours before Hurricane Michael made landfall on the Florida panhandle. She shared with listeners the importance of staying safe prior to and during the storm, how to handle any damage and prepare an insurance claim, and the best methods for filing claims. This includes taking pictures and video of the damage and collecting crucial information to share with the insurance company to help speed up the claims process, utilizing “fast-track” phone apps and other expedient methods. For those policyholders needing assistance with claims, she shared the Florida Department of Financial Services Insurance Claims Assistance Hotline at 1-877-693-5236.
Lisa also discussed the need for flood insurance and how most standard homeowners insurance policies do not cover flood damage. She pointed out that Florida has been a leader in the nation with model laws that have encouraged the creation of a thriving private flood insurance market as an alternative and complement to the National Flood Insurance Program. Lisa urged listeners to contact their insurance company about the availability of innovative “add-on” flood coverage to their existing homeowners insurance policy. As a courtesy to fellow residents and policyholders, she advised those with minor claims damage to so notify the insurance company when filing, so that greater priority can be given to more serious claims.
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Florida Department of Financial Services Insurance Claims Assistance Hotline at 1-877-693-5236