Claims Support at Heidrick & Co. Insurance

We understand how important it is to receive a prompt response when filing a claim. While our role as licensed insurance agents does not give us the authority to approve or deny claims—or to advise whether a claim should be filed—we are here to support you throughout the process.

Please note: We will not automatically file claims on your behalf without direct communication and confirmation from you.

Our team is available to assist with:

• Filing your claim
• Tracking its progress
• Facilitating communication if you’re having trouble reaching your adjuster

Your peace of mind matters to us, and we’re committed to making the claims experience as smooth as possible.

How to File a Claim

For your convenience, we offer three simple ways to file a claim:

1. 1. File Directly with the Insurance Company
      This is the fastest and most efficient way to submit a claim. The insurance company’s claims team will gather all necessary information during your initial call, helping to quickly assign the appropriate adjuster. You can find the claims phone number and/or email address on your policy documents or auto ID card. If you’re unable to locate these, click here to view a list of the carriers we represent and their preferred claims filing methods.  If you are unable to locate your insurance company information, please contact our office by one of the methods listed below.
   2. Submit Details to Our Team
      Prefer to have us handle the filing? Simply click here to complete our Claims Submission Form. Please provide as much detail as possible. Once received, a member of your account team will submit the claim and request that the adjuster contact you directly at the phone number and/or email you provide.
      Note: If you prefer to have our team file your claim, do not assume it has been submitted until you receive confirmation by phone or email from us.
   3. Call Our Office
      If you’d rather speak to someone directly, just give us a call AT (239) 579-0660. A member of your account team will collect the necessary information and forward it to the appropriate insurance company on your behalf.

Privacy Notice:
All information you provide during the claims process will be shared only with your insurance company representatives and will be documented in your client record within our agency for service and follow-up purposes.

 

For details on the Florida Statute Fla. Stat. § 627.70131 click here  

Once a claim has been filed and acknowledged by your insurance company, the following steps will follow.

Claims Investigation

The insurer may:

• Send out an adjuster to assess damages (especially for property claims)
• Request documents (police report, repair estimates, proof of ownership)

In Florida, per state law, insurers typically have:

• 14 days to acknowledge the claim
• 30 days to begin the investigation
• 90 days to approve or deny the claim (Fla. Stat. § 627.70131)

For more details on the Florida Statute Fla. Stat. § 627.70131 click here

Damage Assessment

• You may need to get multiple repair estimates
• For auto claims: You may need to visit a certified repair shop
• For home damage: The insurer might use a third-party vendor or request your own estimate

Settlement Offer

Once the damage is assessed:

• The insurer will provide a settlement offer
• You can accept, negotiate or dispute the amount

Payment and Repairs

• If accepted, you’ll receive payment (minus any deductible and recoverable depreciation*)
• You can then proceed with repairs or replacement
• For home claims with a mortgage, the check may be co-payable to the bank

Supplemental Payment

• Once all repairs have been completed and personal property has been replaced, the insurance company will ask for proof through photographs and/or receipts
• If the documentation is accepted, you will receive payment for the amount of recoverable depreciation withheld from the original claim payment

*What Is Recoverable Depreciation?

Recoverable depreciation is the portion of your claim that your insurance company holds back until you provide proof that the repairs or replacements have been completed. It represents the difference between the actual cash value (ACV)—what your property was worth at the time of the loss—and the full replacement cost.

 How It Works:

1. Initial Payment: After your claim is approved, the insurer typically sends an initial payment based on ACV, which accounts for depreciation.
2. Completion of Repairs: Once the repairs or replacements are finished, you will be required to submit invoices, receipts, photos and other documentation to prove completion.
3. Recovering Depreciation: After verifying the work, the insurer may issue a second payment for the recoverable depreciation, up to the total replacement cost outlined in your policy.

Important Notes

Not all policies include recoverable depreciation—some may be ACV-only.

• Florida law does not require insurers to pay recoverable depreciation unless your policy explicitly provides for it.
• Most insurance companies have a deadline to submit proof of completed work, so timely documentation is essential.
• Always review your policy or contact your account team if you’re unsure about your coverage.