2120 West First Street
Fort Myers Office
2120 West First Street
Lott & Gaylor Insurance is committed and here for you before, during and after your loss.
Although having an accident can be stressful, there's no reason settling your insurance claim should be. Generally speaking, reporting directly to the carrier is the best option, however we'd be happy to help - either way, we'll make sure your needs are met. To report a claim, get started by selecting an option below that best fits your needs.
Flood Claim Reporting
After experiencing a property loss, contact your Lott & Gaylor Agent or insurance company to file a claim. Make sure you have the following information handy:
An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, you can contact your insurance agent or company again.
Understand your duties and responsibilities. Read your policy, under “Section 1 – Conditions, (2) Duties after a loss.” there are very specific time frames under which the insurance company must be notified, failure to abide by these conditions could result in denial of a claim.
Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.
Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. A Proof of Loss can be many things, but must contain the specific details set forth in the Standard Flood Insurance Policy. You’ll need to file your Proof of Loss with your insurance company within 60 days of the flood. This document substantiates the insurance claim and is required before the National Flood Insurance Program (NFIP) or insurance company can make payment.
You’ll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss. If major catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer number of claims submitted.
Find out more about filing your flood claim.
We are open during these times: 8:30 am til noon and 1:00 pm to 5:00 pm
Mo - Th 8:30 am til noon and 1:00 pm ti 4:30 pm on Friday
We will be happy to assist you with any aspect of the claims reporting procedures during normal business hours. Weekend services can be provided through appointment.