Finity Risk

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Finity Risk Insurance

Home, Auto, Recreational Vehicle & Commercial

Hurricane Idalia

As we approach the potential impact of an upcoming hurricane, we want you to know we are here to support you and your loved ones.

To help you stay informed and prepared, we encourage you to visit ready.gov. This valuable resource provides comprehensive safety tips and guidelines for hurricane preparedness.

In the event that you need to file a claim, we recommend reaching out to your carrier directly. By doing so, you’ll help expedite the processing of your claim and ensure a smoother experience. You will find all claim numbers below. If you have concerns about your coverage or require assistance, our dedicated team is here to lend a helping hand.

Carrier Claims Information

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.

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 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, 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.

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 owner, Finity Risk has you covered.

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Auto

Motorcycle

Boat/PWC

RV/Trailer

Condo

Renters

Flood

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Vacant

Builder's Risk

Commercial

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Our Carriers

Appointed with leading brands

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

Cassandra Hong

Personal Lines Manager

Cheryl Stephens

Client Service Representative

Jennifer Jackson

CLIENT SERVICE REPRESENTATIVE

Heather Marchetta