Resource and Support Center
Everything you need to manage your policy, prevent risks, and act in an emergency, in one place.
Your Client Portal
Forget about phone wait times. Manage your insurance autonomously, securely, and from any device.
Digital ID Cards
Download and show to police from your mobile.
Secure Payments
Avoid cancellations due to oversight.
Is it your first time? Request access here
How does a Claim work?
Knowing what to expect reduces anxiety. Here we explain the process step by step.
Report
Contact the insurer (or us) to notify the incident. You get a claim number.
Adjuster
An adjuster will contact you to inspect the damage (vehicle or property) and review coverage.
Estimate
The repair budget is approved. If it's a car, it can be at a network shop.
Resolution
The insurer issues the payment (to you or the shop/contractor) minus your applicable deductible.
Direct Carrier Contacts
Have an emergency outside office hours? Contact your company's claims department directly.
* If your carrier does not appear here, please log in to the Client Portal.
Prevention and Savings
Prepare Your Home for Hurricanes
Checking the roof and securing windows not only protects your home but can generate large discounts on your property policy (Wind Mitigation Credit).
Teen Drivers
Enrolling your children in defensive driving courses and maintaining good grades can significantly reduce the impact on your premium.
Water Damage Prevention
Water damage is the most common claim in Florida. Installing leak sensors and knowing where the main water shut-off valve is located is vital.
Insurance Dictionary
What is the Deductible?
It is the amount of money you must pay out of pocket before the insurer covers the rest of the damages. For example, if you have $2,000 in damage and your deductible is $500, the insurer will pay $1,500. Choosing a higher deductible usually lowers your monthly payment.
What is PIP (Personal Injury Protection)?
In Florida, it is mandatory. It covers 80% of your medical expenses and 60% of lost wages if you have an accident, regardless of who was at fault (No-Fault Law). The standard limit is $10,000.
Liability Coverage?
It is the coverage that pays for damages you cause to other people (their cars or their health) in an accident where you were at fault. It does not cover your own damages.
Comprehensive vs Collision?
'Collision' covers crashes against other cars or objects. 'Comprehensive' covers damages that are NOT crashes: theft, fire, vandalism, hail, flooding, or hitting an animal.
What is Wind Mitigation?
It is an inspection for homes in Florida that certifies how resistant your roof and windows are against hurricanes. Keeping it updated can save you thousands of dollars on your home insurance.
Have a specific question?
Sometimes theory isn't enough. Speak with a real agent who knows your policy in detail.