Free tools for Florida homeowners
Florida Insurance Claim Tools
Free calculators and checklists built to help Florida homeowners prepare for and dispute insurance claims after storm and roof damage.
Calculators
Pick Your Tool
Free browser tools for hurricane season, claims, deductibles, roof settlements, deadlines, evacuation budgets, and mitigation savings.
Florida Hurricane Deductible Calculator
Estimate your out-of-pocket hurricane deductible in seconds. Includes a claim-prep checklist and a phone script for calling your insurer.
Open Hurricane CalculatorFlorida Roof Insurance Payout Calculator
See what your insurer should pay for your roof claim. Calculates ACV, RCV, depreciation, deductible, and out-of-pocket cost. Flags common settlement red flags.
Open Roof Payout CalculatorFlorida Wind Mitigation Credit Calculator
Estimate your insurance savings from hurricane shutters, hip roof, roof-to-wall straps, and other wind mitigation features. Based on the OIR-B1-1802 form.
Open Wind Mitigation CalculatorFlorida Insurance Claim Deadline Calculator
Enter your date of loss and estimate initial, reopened, and supplemental claim deadline dates before the window gets tight.
Open Deadline CalculatorHurricane Evacuation Cost Calculator
Estimate hotel, gas, food, pet, toll, and supply costs so you know the cash target before evacuation traffic starts.
Open Evacuation CalculatorHurricane Prep Cost Calculator
Budget storm supplies like water, food, batteries, tarps, plywood, fuel, first aid, and cleanup gear before shelves are empty.
Open Prep Cost CalculatorRecoverable Depreciation Calculator
See your ACV first check, the recoverable depreciation held back, and your total RCV payout so you do not leave money on the table.
Open Depreciation CalculatorFlorida County Hurricane Guides
Open county-specific hurricane deductible and claim-prep pages for the highest-value Florida markets.
Open County GuidesHurricane season
What to Use First on June 1
Start with the hurricane deductible calculator, then run the storm prep cost and evacuation cost calculators. If damage happens, use the deadline calculator and roof payout calculator before accepting a low settlement.
Disclaimer
These tools are for educational purposes only. Not legal, insurance, financial, or claims advice. Review your policy and contact a licensed Florida public adjuster or attorney for guidance about your specific situation.