What to Expect

Frontline Insurance’s goal is to process hurricane claims timely, accurately and efficiently with the focus on customer service.

  • Home Inspection – You will be receiving a call within 72 hours to schedule an inspection
  • Report – You will be notified via email when Frontline receives your report, which will be 14 days after the inspection
  • Processing the report – 14 days after receiving the report Frontline will process your claim and advise you of the results


Please send all correspondence and documentation, including estimates, receipts, and photos to:

  • catreports@flhi.com
  • Reference the claim number in the subject line
  • Please ensure requested documents are in PDF format and images are in JPG format


Login to or register your account here. You will be able to view your claim status and upload documentation to your claim file.


Frequently Asked Questions

What if I have damage to my personal property, such as furniture, electronics, etc.?
Your adjuster will provide you with a Schedule of Contents form to document your damaged items or you may click here to download the form. Please email the completed form and photos of the damaged items to catreports@flhi.com.

What if I need temporary housing?
If you require temporary housing please advise the adjuster at the time of your inspection. If your home has already been inspected, please save any additional living expense receipts and email to catreports@flhi.com. Please reference the claim number in the subject line. All documentation should be in PDF form.

What if I have mold damage?
It is the responsibility of the insured to protect their property and mitigate any further damage.

  • Hire a mold hygienist to inspect your home and write a mold protocol
  • The mold protocol can be provided to a mold remediation company of your choosing
  • Email the mold protocol and expenses to catreports@flhi.com for review
  • There are limits to mold coverage per your policy

What if I find additional damage after the inspection of my home?
Please have your contractor detail the additional damages in an estimate and provide photos of the damage and email it to catreports@flhi.com.

If I file a hurricane claim, will my rates be raised? Will you cancel my policy?

A hurricane is an “catastrophe event.” Your rates will not increase and your policy will not be cancelled because you filed a hurricane claim.

What is a hurricane deductible?

Some policies include a Hurricane Deductible, which is usually calculated as a percentage of the policy’s Coverage A. The Hurricane Deductibles is the amount paid by a policyholder before the insurance company will pay anything on a covered claim. Depending on your state and your policy, other deductibles may apply to your hurricane loss.

If I make temporary repairs to my home, will I get reimbursed?

In the event that covered property is damaged by an applicable Peril Insured Against, we will pay the reasonable cost incurred by you for necessary measures taken solely to protect against further damage. Do not wait until a claims adjuster arrives to make temporary repairs that will prevent further damage. Be sure to save all of your receipts from purchases related to your repairs.

I lost food when my power went out; is this covered?

There is limited coverage for food stored in freezers or refrigerators on the “residence Premises” on most policies.

I have debris on my property; will you pay to remove it?

It depends. There is coverage available for debris removal of covered property resulting from a covered cause of loss, subject to the terms and conditions of your policy.

Will you pay for expenses if there was a mandatory evacuation?

Expenses incurred for a mandatory evacuation due to a storm are not covered.



Please remember that the information contained on this webpage is general in nature and that coverage under any specific policy of insurance will depend upon the terms and conditions of that policy. This is not a summary of coverage under any Frontline Insurance policy or any other policy of insurance.