Insurance claims
What to do first on a Florida property claim
Who to call after you are safe is Aftermath Restoration Group at (239) 688-2880, open 24 hours. If anyone is hurt or a fire is active, call 911 first. Then mitigate: do not vacuum standing water, and do not wipe soot. You report the claim yourself. You keep the claim. Aftermath is not a public adjuster. Under Florida Statute 627.70132, notice of a new claim is due within 1 year, and a supplemental claim within 18 months. On policies issued on or after January 1, 2023, you may not assign post-loss benefits. The arrival time is given on the call.
Extraction, dry-out, mold containment, and board-up should start before the adjuster arrives. Waiting lets mold and swelling become a second loss. Aftermath gives you photos, moisture readings, drying logs, and a written scope. You approve the work.
Florida law gives the insurer 7 days to acknowledge a claim communication, and 60 days from notice to pay or deny, unless something outside the insurer's control delays it. A physical inspection tied to a proof of loss is due within 30 days of that proof.
A direction to pay is different from an assignment of benefits. It only asks the insurer where to send money. It does not give the company the right to settle the claim. Emergency tarping is temporary until a roofer repairs the roof. Serving Fort Myers & Southwest Florida. Florida mold license MRSR4195.
What should I do first after water, mold, or fire damage?
If anyone is hurt or a fire is still active, call 911. If you can do it safely, shut off the water and kill power to wet rooms. Do not vacuum standing water. Do not wipe soot. Then call Aftermath Restoration Group at (239) 688-2880 so mitigation can start. Report the claim yourself with the number on your policy.
How long do I have to give notice under Florida Statute 627.70132?
Under Florida Statute 627.70132, a new or reopened property claim is barred unless notice reaches the insurer within 1 year after the date of loss. A supplemental claim is barred unless notice is given within 18 months. For a hurricane, tornado, windstorm, or other weather event, the date of loss is the date NOAA verifies, not the day you noticed a stain. Report the loss as soon as you know about it.
Can I assign my claim to the restoration company?
No. For a residential or commercial property policy issued on or after January 1, 2023, you may not assign post-loss benefits to a restoration company. An attempt to sign the claim over is void. Aftermath will not ask you to do that. You keep the claim. Aftermath is not a public adjuster.
When will a crew arrive?
The arrival time is given on the call to (239) 688-2880. Aftermath does not advertise a fixed number of minutes.
Related pages: Insurance claims Fort Myers Cape Coral Naples Water damage.
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Water, mold, fire, or storm damage. We document the loss for your insurance claim. You keep the claim.
Call (239) 688-2880 · Insurance claims