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Hurricane Preparedness Guide

Hurricanes can destroy property and upend lives. But there are many things you can do to minimize the potential impact on your home and family. When a powerful storm is bearing down, it may be too late to protect your property. Making a plan is critical.

Learn how to keep your home and loved ones safe. Download our Free Hurricane Preparedness Guide.

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Hurricane Helene & Milton

We are deeply sorry for any hardship and/or loss you’re facing after the hurricane. Please know that our thoughts are with you. It’s hard to see the devastation and the challenges these storms bring, but we hope you find strength and comfort in the support of those around you, including us. 

Please see the claims numbers of our carriers below or feel to reach out and call us. 

Call us at 813-645-4404

We Make Insurance Easy

At Finity Risk, we are aware of the difficulties many individuals encounter when searching for insurance. We have tailored our team and methods to eliminate stress and frustration.

As an Independent Property and Casualty Insurance Agency in Tampa Bay Florida, Finity Risk is dedicated to making your insurance experience smooth and comprehensive.

We offer quotes from reputable insurance carriers, creating coverage that aligns with your requirements and reduces risk. In addition, our team is committed to providing exceptional coverage and top-notch customer service.

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Carrier Claims Information

  • American Strategic (ASI)
  • 866-274-5677
  • NA
  • Bankers / First Community
  • 800-765-9700
  • NA
  • Edison Insurance Company​
  • 888-683-7971​
  • NA
  • Florida Peninsula Insurance Company
  • 866-549-9672
  • NA
  • Heritage
  • 855-415-7120
  • NA
  • Home Owner's Choice
  • 866-324-3138
  • NA
  • National Risk Solutions
  • 844-777-8323
  • NA
  • Ovation Home Insurance Exchange
  • 888-247-0486
  • NA
  • People's Trust
  • 877-333-1230
  • NA

Additional Post-Storm Assistance

Insureds with or without flood insurance are encouraged to apply for FEMA disaster assistance at www.disasterassistance.gov or by calling 800-621-3362 between 7 am – 11 pm ET for support and resources.

The following local resources may also help:

211 – United Way
800-342-3557 – State Assistance Information Line (SAIL)
800-733-2767 – Red Cross hotline
833-747-1234 – Samaritan’s Purse hotline
904-253-0502 – Florida Baptists Disaster Relief Public Assistance
844-965-1386 – Crisis Cleanup

Hurricane Featured Articles

Stay well-informed during and after a hurricane with our insurance insights

Claims FAQ

  • DISCLAIMER
  • The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, we must keep in mind that all companies’ forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION. In catastrophic situations, some companies may be more lenient in their handling of claims and may make concessions, such as advancing additional living expense (i.e. ALE) payments, to expedite the claim process. Other companies may handle such claims in accordance with their normal procedures. If you have additional questions that need to be added to this list or if you find any errors, please send them to the Division of Consumer Services, Bureau of Education, Advocacy and Research, 200 East Gaines Street, Tallahassee, Florida 32399-4212.
  • WHAT IF MY HOME IS DAMAGED AND I DON’T HAVE INSURANCE?
  • The Federal Emergency Management Agency (FEMA) provides assistance to those whose homes are damaged or destroyed. You should also keep all receipts for any repairs you make so you can file the loss with the IRS on your income tax return. You may also be eligible for a low interest loan from the Small Business Administration (SBA). FEMA can be reached at 1-800-621-FEMA (3362) (TTY: 1-800-462-7585). SBA can be reached at 1-866-737-7232.
  • WHAT SHOULD I DO IF I HAVE A CLAIM?
  • If you have damage, you should take photos and the necessary steps to mitigate the damage and prevent any additional damage from occurring. This would include any temporary repairs such as covering the roof or removing standing water. You should also immediately contact your insurance company to inform them of the damage and file a claim. Do not allow a third party, such as a water remediation firm or contractor, to contact your insurance company for you. You should be the one to make the first contact with your insurance company. You do not need to sign an Assignment of Benefits (AOB) in order to get your insurance claim processed or your residence repaired.
  • Read more about AOB here.
  • WHAT SHOULD I DO IF I HAVE A CLAIM?
  • If you have damage, you should take photos and the necessary steps to mitigate the damage and prevent any additional damage from occurring. This would include any temporary repairs such as covering the roof or removing standing water. You should also immediately contact your insurance company to inform them of the damage and file a claim. Do not allow a third party, such as a water remediation firm or contractor, to contact your insurance company for you. You should be the one to make the first contact with your insurance company. You do not need to sign an Assignment of Benefits (AOB) in order to get your insurance claim processed or your residence repaired.
  • Read more about AOB here.
  • WHEN SHOULD I REPORT MY CLAIM TO MY INSURANCE COMPANY?
  • You should report your claim as soon as possible. If we have had multiple hurricanes in a year or if we have a severe hurricane, it may take longer for an adjuster to get to you. It is not uncommon for insurers to prioritize claims by the severity. In other words, if your home is destroyed, you would receive a higher priority than someone with a few roof tiles missing. You might consider this fact when determining how soon to call.
  • WHAT INFORMATION DO I NEED WHEN MAKING A CLAIM?
  • You should have your policy number or property adress. Contact information, including any temporary addresses or phone numbers. Description of the damage (Example: Tree fell on roof; lighting struck house). Mortgage company information if applicable.
  • SHOULD I MAKE REPAIRS TO MY DAMAGED PROPERTY OR WAIT FOR THE INSURANCE ADJUSTER?
  • You are required by your insurance contract to make temporary repairs to prevent further damage. The adjuster must see the damage to evaluate your loss. Take pictures of the damage and keep all receipts for materials purchased for emergency repairs. You should not dispose of any damaged property until the adjuster has completed his inspection.

We understand the challenges with Insurance

When it comes to shopping for insurance, a large majority of consumers are skeptical and confused. We totally understand.

Time Consuming

Are you wasting way too much time chasing something you truly don't understand?

Too Complicated

Are you overwhelmed with all of the companies, coverages, and insurance lingo?

Too Expensive

Are you ending up having to pay more out of pocket for coverages you thought you had?

We address the pain points when searching for insurance​

We’ve built our services to specifically address the biggest pain points consumers experience when searching for insurance

Choice

We realize you can choose who you use for your insurance needs. We are honored to be your choice.

Trust

We know insurance can be confusing, and we'll educate you so you truly understand your coverage.

Transparency

We will walk you through the process and take the time to answer all of your questions.

We Got you covered

Regardless of whether you are an individual, family, or business, Finity Risk has you covered with our carriers

Home

Auto

Motorcycle

Boat/PWC

RV/Trailer

Condo

Renters

Flood

Fire

Umbrella

Vacant

Builder's Risk

Commercial

General liability

Professional Liability

Insurance Insights

Stay well-informed when choosing your insurance coverage with our insurance insights
Get a Quote Today
Get a Quote Today

One Tree Planted Project

Together with One Tree Planted, we’re supporting reforestation on a global scale. On January 29, 2022, Finity Risk announced that for every new policy, we would plant a tree to create a positive environmental impact that lasts for generations to come. Watch our video to learn more about the project and explore our vision of growing a healthier and greener planet together.

Meet the team

Heather Morales

Chief Executive Officer / Co-Founder

Cassandra Hong

Personal Lines Manager

Cheryl Stephens

Client Service Representative

Heather Marchetta

CLIENT SERVICE REPRESENTATIVE

Stephanie Carberry

CLIENT SERVICE REPRESENTATIVE

Na’keil Watson

CLIENT SERVICE REPRESENTATIVE

Bonnie Chandler

RECEPTIONIST