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SEND IN WRITING WITH PROOF OF DELIVERY (INSURER'S CLAIM PORTAL + EMAIL, OR CERTIFIED MAIL), AND KEEP THE CLAIM NUMBER
Policyholder (insured):
[LEGAL BUSINESS NAME] [D/B/A [TRADE NAME]] — [LLC / CORPORATION / SOLE PROPRIETOR], FEIN [NUMBER]
By [FULL NAME], [OWNER / MANAGING MEMBER / PRESIDENT]
[ADDRESS OF THE DAMAGED PREMISES, CITY, FL ZIP]
[PHONE] · [EMAIL]
To:
[INSURANCE COMPANY] — Commercial Property Claims
[OR: AGENT [NAME], [AGENCY]]
[CLAIMS ADDRESS OR EMAIL]
Policy: [COMMERCIAL PROPERTY / BUSINESSOWNERS (BOP) / COMMERCIAL TENANT] policy no. [NUMBER]
Coverages involved: [BUILDING / BUSINESS PERSONAL PROPERTY / STOCK / BUSINESS INCOME / EXTRA EXPENSE / FLOOD — AS IN YOUR POLICY]
Insured premises: [SQUARE FEET] sq ft
[CITY], [DATE]
Re: Notice of claim — damage from Hurricane [NAME], date of loss [DATE OF LANDFALL]
Dear Claims Department:
I am giving you notice of a claim under the policy above for loss and damage to the insured premises caused by Hurricane [NAME]. Under section 627.70132(3), Florida Statutes, the date of loss for a hurricane claim is the date the hurricane made landfall: [DATE].
1. What happened
Event: Hurricane [NAME] made landfall near [LOCATION] on [DATE]. At the premises, [WIND / WIND-DRIVEN RAIN / FALLEN TREE / STORM SURGE / FLOODING] caused the damage described below.
When I discovered the damage: [DATE], [TIME].
Damage observed: [ROOF / WINDOWS / SIGN / AWNING / INTERIOR WATER DAMAGE / ELECTRICAL / INVENTORY / EQUIPMENT].
Steps taken to prevent further damage: [TARPED ROOF / BOARDED WINDOWS / PUMPED WATER / MOVED STOCK / RAN GENERATOR] on [DATE]. Receipts attached.
Damaged items kept for inspection: yes, until [DATE], except perishable or unsafe items, which were photographed before disposal.
2. Property damage (preliminary estimate)
Item Description Estimated amount
Building and improvements [ROOF, WINDOWS, DOORS, SIGNAGE, BUILD-OUT…] $[AMOUNT]
Equipment and furniture [COOLERS, POS, COMPUTERS, SHELVING…] $[AMOUNT]
Inventory (stock) [PER ATTACHED LIST — AT COST] $[AMOUNT]
Emergency repairs, cleanup, debris removal [VENDOR, DATES] $[AMOUNT]
Total preliminary property damage $[AMOUNT]
A detailed list (item, quantity, cost, receipt) is attached and will be updated.
3. Business interruption
The business has been [CLOSED SINCE [DATE] / OPERATING AT REDUCED CAPACITY SINCE [DATE]]. Expected reopening: [DATE OR "NOT YET KNOWN"].
Sales for the same period last year: $[AMOUNT] per [DAY / WEEK]. Usual gross margin: [PERCENT] %.
Estimated lost sales to date: $[AMOUNT], or $[AMOUNT] of lost gross profit. A day-by-day calculation is attached and will be updated. [CIVIL AUTHORITY ORDERS OR UTILITY OUTAGES THAT KEPT THE PREMISES CLOSED: ___.]
[IF YOUR POLICY HAS NO BUSINESS INCOME COVERAGE, DELETE THIS SECTION OR SAY SO.]
4. My requests
1. Acknowledge this notice and give me a claim number, the claim forms and instructions, and a contact phone number (section 627.70131(1)–(2), Florida Statutes).
2. Assign a licensed adjuster and schedule the inspection. Please give me the adjuster's name and license number.
3. Send me a copy of any detailed estimate of the loss.
4. Pay or deny the claim, in whole or in part, in writing with the reasons, within the time required by section 627.70131(7), Florida Statutes, if it applies to this policy.
5. Tell me in writing which coverages, limits and deductibles (including any hurricane deductible) apply.
6. Reimburse the reasonable costs I incurred to protect the property from further damage, as the policy provides.
Attached
1. Dated photos and videos of the damage ([NUMBER] files).
2. List of damaged property and inventory, with invoices or stock records.
3. Repair estimates and receipts for emergency repairs and cleanup.
4. Lost sales calculation (same period last year), Excel.
5. Copy of the policy declarations page.
6. Bank details for payment.
I am available for inspection at any time and will provide any further documents you need.
Sincerely,
______________________________
[FULL NAME], [TITLE]
[LEGAL BUSINESS NAME]
Reply to this document or get a deadline reminder: https://layers.md/us/hurricane-insurance-claim-letter-business-florida?from=reply-us-isaias-claim