Florida Contractors: Hurricane Supplements Done Right

Florida's high-velocity hurricane zone requirements and strict insurance regulations create more supplement opportunities than almost any other state. ClaimScope knows every one of them.

3x — More supplement opportunities vs. national average

Avg supplement: $4,200–$11,500

Results in 90 seconds

Common Florida Claim Types

ClaimScope is optimized for the claims contractors see most in Florida.

Hurricane / WindFlood / Storm SurgeWater IntrusionMold RemediationRoof Damage

What Adjusters Miss in Florida

Florida-specific line items that disappear from estimates

Adjusters using national Xactimate averages consistently undervalue Florida claims. ClaimScope knows the local market, the state code requirements, and the items that get cut first.

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HVHZ-compliant window and door replacement
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Impact-resistant roofing materials in coastal counties
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Mold remediation protocol (IICRC S520)
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Flood vent requirements in FEMA flood zones
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Permit fees — Florida requires permits for most storm repairs

Florida Building Codes

Florida Building Code 2023 — one of the strictest wind codes in the US
High-Velocity Hurricane Zone (HVHZ) in Miami-Dade and Broward counties
Impact-resistant windows and doors required in HVHZ
Florida Energy Code (FECC) — strict insulation and HVAC requirements
Mold remediation licensing required (FL Statute 468.84)

Florida Insurance Rules

14-day acknowledgment / 90-day decision deadline
Florida Fair Claims Practices Act — strict compliance required
AOB reforms (SB 2-A, 2023) — assignments restricted but not eliminated
Depreciation: RCV standard; check for matching law endorsement

Serving contractors in

Miami

Orlando

Tampa

Jacksonville

Fort Lauderdale

+ all of Florida

$4,200–$11,500 Found

Average supplement ClaimScope finds on Florida claims. That is real money left on the table if you do not ask for it.

90-Second Analysis

Upload your Florida estimate and get a complete supplement package with state-specific code citations in under 2 minutes.

Defensible Citations

Every supplement item includes the exact Florida building code section, IICRC standard, or NEC requirement. Adjusters cannot argue with citations.

Ready to Find Your Florida Missed Money?

Upload your first Florida estimate and see what the carrier missed. Takes 90 seconds.

$99–$199 per claim · No subscription required