Correcting the Record - Florida Claims

A national news outlet continues to publish misleading stories based on an inaccurate representation of Florida claims “closed without payment.” The outlet mischaracterizes the data as claims that were denied by State Farm. Additionally, the outlet’s previous coverage was presented in a way that could have created fear for customers in the middle of the recovery process from a severe weather event. This was a disservice to our customers and all insurance consumers.

We are correcting the record with the information we have previously shared with this publication:

• The cited data on paid claims in Florida is inaccurate, incomplete, and presented in a way that artificially underrepresented payments to our customers. The information is cherry-picked to drive an inaccurate narrative.
• As an organization, we take great pride in our customer service and are committed to paying what we owe promptly, courteously, and efficiently. 
• Many factors affect claim payouts including the type of loss and the amount of a customer's deductible or hurricane deductible. In some weather events, the cause of damage is flood, which is excluded from the homeowners policy.
• If an individual does not have a flood policy to cover that damage, the policyholder may file a claim with their insurance company to obtain the necessary paperwork to pursue disaster assistance from the federal government.

This link outlines the FEMA process - Assistance for Housing and Other Needs | FEMA.gov