We may use technologies (for instance, a mobile app) to help review your damage and expedite your claims process. Your Claims Examiner will have the right solution for you.
Quick. Straightforward. Easy.
The Claims Process
Steps We Take to Process Your Claim
The insurance claim process typically involves five main stages, from the moment you report your loss to the resolution of your claim.
Damage Documentation
Schedule an Inspection
A Field Adjuster or First Choice Repair Network contractor will contact you to schedule an inspection. Tip: Schedule the inspection when you or another adult can meet with the Field Adjuster or Contractor in case we need access to the interior of your home.
Damage Assessment
We will create a damage report and contact you to review our findings.
Status of Claim
A Claims Examiner will contact you regarding the status of your claim. They will talk you through the claims process, let you know what to expect, and answer any questions.
Resolving Your Claim
We strive to complete your claim as quickly as possible; however, some claims are more complex than others and require additional inspections and investigation. Contact your Claims Examiner should you have any questions or concerns.
Looking for a Contractor?
First Choice Repair Network®
Our First Choice Repair Network® has over 100 licensed and insured Florida contractors who have undergone thorough background checks. If you have filed a claim and need to make repairs to your home, let us schedule it through our network. It’s much easier than us cutting a check and wishing you good luck with your repairs. We will manage the process through completion. That’s the benefit of being part of the Security First family.
Call or email us to get the process started.
Get to Know Your Claims Team
Trust us to handle your claim with efficiency, transparency, and personalized care.
Claims Examiner
Your Claims Examiner is your primary point of contact. They are essentially the conductor of your claim. They review your policy coverage and findings from Contractors and Field Adjusters.
Field Adjuster
Field Adjusters inspect any interior and exterior damage and report their findings to the Claims Examiner.
Tips to Help You Navigate the Process
Navigating a loss can be stressful, but it doesn’t have to be confusing. Use these tips to help guide you through the do’s and don’ts of the process. If at any time you have a question or if something is unclear, please contact your Claims Examiner for assistance.
Damaged Property
Do not to discard any damaged personal property, appliances, or building materials, until given the approval from your Claims Examiner.
Deductible
Your deductible is the out-of-pocket amount you pay before your insurance benefits apply. Please be aware that it is illegal for a contractor to waive your deductible.
Home Inventory List
If you do not have a summary of personal belongings prepared at the time of a loss, you can use a contents estimator or manually prepare a list of stolen or damaged property. Whenever possible, include the manufacturer, model name or number, and the place and date of purchase. If you have receipts, manuals, or photographs of the lost or damaged items, provide them to your Claims Examiner or Field Adjuster.
Lost Credit Card
If you have lost a credit card, report it to the credit card company immediately.
Receipts
Keep all receipts for repairs and expenses.
Repairs
Protect your property against further damage. Make only temporary repairs and keep all receipts. Avoid making permanent repairs until the Field Adjuster has had a chance to inspect the damage.
Scheduling an Inspection
Schedule your inspection when you or another adult can meet with the Field Adjuster or Contractor in case we need access to the interior of your home.
Theft
If you have experienced a theft, be sure to report stolen items to the police immediately.
Uninhabitable Conditions
If you must move out of your home, keep all receipts for any temporary lodging and any other expenses you incur.
Water Damage
If your home has water damage, it needs immediate attention. Call us first, so we can connect you with our First Choice Repair Network® to assist with water extraction or repair services.