01
Take these photos before cleanup starts
This checklist stays in the browser memory for this page only. It is not submitted or stored.
02
Keep every estimate, reading and approval together
Ask for written estimates, change approvals, moisture records, equipment dates and a clear separation between mitigation and reconstruction. Keep insurer and provider communications together.
03
Your insurer—not this guide—decides coverage
The policy language, cause of loss and documented facts control. The Florida Department of Financial Services provides consumer information and contacts, but neither that resource nor this guide decides a particular claim.