We’ve been helping our customers recover during overwhelming and difficult times for over two decades. Our flexible claim handling options allow us to help you best when you need us most. Whether you’re on-the-go using our App, or talking to one of our knowledgeable insurance agents, you can be assured of a quick and responsive claim experience with the high level of service you’ve come to expect.
Download the app:
Click here to learn how to submit a claim
IN THE APP
The quickest and easiest way to file a claim. Download our app to securely report your claim, send photos, and check your claim status anytime, anywhere.
Online
Login and begin the claim process straight from your account. Be sure you have your policy number and the property's zip code
By Phone
File a claim by calling
(800) 675-0145
WITH YOUR AGENT
You can find your agent information on your declarations page.
Click here to learn about Types of Loss Handling
VIRTUAL
Collaborative claims handling methods allow you to connect with an adjuster in real time, possibly eliminating the need for an inspection. Use video software on your phone to show the damage and ask them questions.
Device
Assist with resolving your claim using the Frontline App. Take photos of damages to document your loss and upload directly to your claim file.
Inspection
Your field adjuster will contact you to schedule a time to inspect your property that is convenient for you.
Click here to learn How long will it take?
First contact
A claim representative will be in contact with you within 24 hours of filing your claim
Prioritized by claim type
You will be contacted in an order based on the type of claim filed and the severity of the loss
Multiple contact points
You may be contacted by both field adjusters and desk adjusters. Your field adjusters will complete any on-site inspection needed. You may speak with more than on desk adjuster. All of our desk adjusters are highly trained experts with access to your claim. Any adjuster answering your call is equipped to answer your questions and help move your claim forward.
Click here to learn about MITIGATION
Vendors
If you need water mitigation, you can find a list of preferred water vendors here on our website.
When choosing a contractor to repair damages to your property, ask for a written estimate that includes any oral agreements and a line-by-line breakdown of costs for material and labor. Verify that the contractor is licensed, bonded, and properly insured in your state. Ask for references and contact the Better Business Bureau (BBB) to check your contractor’s rating.
Assignment of Benefits
An Assignment of Benefits (AOB) agreement, once signed, transfers the insurance claims rights or benefits of your insurance policy to a third party, authorizing them to file a claim, make repair decisions, and collect insurance payments without your involvement.
Watch out for AOB vendors representing themselves as employees of, employed by, or sent on behalf of Frontline Insurance. Assume they are not and contact your claim representative to confirm.
If you are asked to sign over your benefits in order to initiate the repair process, know that you do not need to sign an AOB to get your claim processed or your residence repaired, even emergency repairs.
Look for contract language similar to a Power of Attorney and other red flags such as language that prevents your insurance company from communicating with you directly about your claim.
Unnecessary litigation as a result of AOB abuse have driven up insurance costs for homeowners across the state.
Visit the Florida Department of Financial Service link opens in new window here for important information.
Public Adjusters
A public adjuster does not work for your insurance company and may not have the best information about your policy’s coverage, requirements, and restrictions. Before signing a contract, go to the Florida Department of Financial Services link opens in new window for important information about Public Adjusters.
Click here to learn about FRAUD
When complying with your post loss policy obligations to mitigate your damages, ALWAYS contact your adjuster prior to agreeing to any non-customary mitigation services such as shrink-wrapping your roof. These services may not be necessary or covered by your policy. It is always a good idea to call your adjuster prior to signing any contract, especially if the contractor or public adjuster guarantees your insurance will cover the damages.
Frontline will never send a vendor to complete mitigation or repairs without your knowledge and permission. If a vendor is telling you Frontline sent them, please call your adjuster prior to allowing the vendor to proceed. Frontline will never request an Assignment of Benefits (AOB) be signed.
Beware of any contractor or roofer who promises they can “pay”, “waive”, or “absorb the cost of” your deductible and that you do not have to pay the deductible yourself. Contractors who tell you this are essentially paying the deductible for you and are therefore raising the price of work to be completed. This is not only an unethical practice, but also illegal as it is committing insurance fraud – See Florida Statute 817.234.
Florida Statute 817.234 False and Fraudulent Insurance claims (7)(d), a contractor or person acting on behalf of a contractor, may not knowingly or willfully and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor, or a person acting on behalf of a contractor, for repairs to property covered by a property or insurance policy.
If you see fraud or if you or someone you know has been the victim of a fraud or scam, Report it! FRAUD hurts all Florida Homeowners!
Call Florida’s Division of Consumer Services' toll-free helpline at 1-877-MY-FL-CFO (1-877-693-5236) for assistance.
Click here to read FAQs
When should I contact my insurance agent or insurance company about my property damage?
If you have, or suspect that you have, property damage to your home, notify Frontline by phone, app, online, or through your agent, as soon as possible with any details available.
If I make temporary repairs to my home, will I get reimbursed?
In the event that your property is damaged by a covered loss, we will pay the reasonable cost incurred by you for necessary measures taken to protect your property against further damage.
My home has been damaged and is unlivable, will you pay for my family to stay elsewhere?
Should you have a covered loss that renders your home uninhabitable, additional living expenses are available. Please keep all receipts and present them to your adjuster.
What if I find additional damage after the inspection of my home?
Please notify your adjuster of any additional damages found before beginning repairs.
What should I do if I have flood damage?
Should you have a flood loss, please contact your flood carrier or agent to submit a claim.