Before you call. Have your policy number, the property address, and the date of loss. The National Hurricane Center put landfall near Destin, Florida, the evening of October 9, 2026. If the home is not livable, ask whether the policy includes Additional Living Expenses, what the limit is, and where to send receipts. Write down the claim number and the adjuster’s name. Then, if a trailer on your own lot would help, here is how that works.
After a hurricane the first call is to the insurer, and the number on the policy documents is the one to use. If the documents are wet, gone, or in another town, these are the numbers each company prints on its own claims page, with the link so you can check it yourself. Numbers in this list were read October 15, 2026; insurers add storm lines and change numbers after an event, so the linked page wins if the two differ.
- Insurers writing homeowners policies across Alabama, Mississippi, and Florida
- Farm Bureau and Alfa
- The wind pools: AIUA, MWUA, and Citizens
- Florida homeowners insurers
- Flood insurance
- State insurance departments and the Florida guaranty fund
Insurers writing homeowners policies across Alabama, Mississippi, and Florida
Numbers as printed on each insurer’s own claims or contact page. The online link is the page the insurer points to for filing without a call.
State Farm
Claims: 800-SF-CLAIM (800-732-5246), auto, home, and property claims. Source · File online
Allstate
Claims: 1-800-54-STORM (1-800-547-8676), storm claims line in Allstate’s October 12, 2026 Isaias release. Source · File online
Allstate’s File or Track a Claim page lists 800-255-7828 for people who are not Allstate customers and directs customers to My Account or the app.
USAA
Claims: 800-531-USAA (8722), auto and property insurance claims, open 24/7. Source · File online
Farmers
Claims: 1-800-435-7764, farmers Claims Center. Source · File online
Liberty Mutual and Safeco
Claims: 800-2CLAIMS (800-225-2467), personal insurance claims. Source · File online
Safeco’s claims address, safeco.com/claims, redirected to this Liberty Mutual claims center when we checked.
Nationwide
Claims: 1-800-421-3535, nationwide Claims phone number. Source · File online
Travelers
Claims: 1-800-252-4633, personal insurance claims, 24 hours a day. Source · File online
Progressive
Claims: 1-800-776-4737. Source · File online
Auto-Owners
Claims: 1-888-252-4626, after hours, or when your independent agent is unavailable. Source
Auto-Owners says to contact your independent agent first.
Chubb
Claims: 1-800-CLAIMS-0 (1-800-252-4670), claims Contact Center. Source
The Hartford
Claims: 800-243-5860, home and renters claims, 24/7; AARP customers call 877-805-9918. Source · File online
Kin
Claims: 866-204-2219. Source · File online
Farm Bureau and Alfa
The regional writers with a large share of homeowners policies in each state.
Alfa Insurance (Alabama)
Claims: 1-800-964-2532, claims assistance. Source
Mississippi Farm Bureau Insurance
Claims: (866) 275-7322, 24 hours a day, 7 days a week. Source
Florida Farm Bureau Insurance
Claims: 1-866-275-7322, property and casualty claims, 24 hours a day, 7 days a week. Source · File online
The wind pools: AIUA, MWUA, and Citizens
If your wind coverage is a separate policy from the state pool, the wind claim goes to the pool, not to the company that writes the rest of your homeowners policy. More on each pool below.
Alabama Insurance Underwriting Association (AIUA)
Claims: 1-866-780-2482, toll-free claim reporting. Source · File online
Mississippi Windstorm Underwriting Association (MWUA)
Claims: 1-866-634-4465 or 1-800-853-4434, new claims, call center staffed 24 hours a day, seven days a week. Source · File online
Citizens Property Insurance Corporation (Florida)
Claims: 866.411.2742, report a claim, available 24/7. Source · File online
Florida homeowners insurers
Companies with a large share of Florida homeowners policies, in alphabetical order. Each number was read on the company’s own claims page.
American Integrity
Claims: 866-277-9871, file a Claim. Source
Edison Insurance
Claims: (888) 683-7971. Source · File online
Florida Peninsula
Claims: (866) 549-9672. Source · File online
Frontline Insurance
Claims: (877) 744-5224. Source · File online
Frontline’s Isaias notice says its online portal and app are the fastest ways to report a claim when phone lines are busy.
Heritage Property & Casualty
Claims: 855-415-7120, file a claim. Source
Homeowners Choice
Claims: (888) 210-5235, report a claim, 24 hours. Source
Olympus Insurance
Claims: 866-281-2242. Source
People’s Trust
Claims: 561-609-1002. Source
Security First
Claims: (877) 333-9992. Source
Slide Insurance
Claims: (866) 230-3758. Source · File online
Southern Oak
Claims: 877-900-2280, homeowner claims. Source
Tower Hill
Claims: 800-342-3407, residential property. Source
TypTap
Claims: (844) 289-7968, report a claim. Source
Universal Property & Casualty
Claims: 800.470.0599, claims Department. Source · File online
Flood insurance
Flood claims go to the company that wrote the flood policy, which is often a different company from your homeowners insurer.
National Flood Insurance Program (NFIP)
Claims: (877) 336-2627, fMIX help center, to find your flood insurer; NFIP Direct policyholders start a claim at (800) 638-6620. Source
FloodSmart lists temporary housing and additional living expenses during your home’s repair among the things flood insurance does not cover.
State insurance departments and the Florida guaranty fund
For a claim that is stuck, a company you cannot reach, or a company that has failed.
Alabama Department of Insurance, Consumer Services
Claims: 334-241-4141 or 1-800-433-3966. Source
Mississippi Insurance Department, Consumer Help Line
Claims: 800-562-2957 or 601-359-2453. Source
Florida Department of Financial Services, Insurance Consumer Helpline
Claims: 1-877-MY-FL-CFO (1-877-693-5236). Source
Florida Insurance Guaranty Association (FIGA)
Claims: (800) 988-1450, claims against insolvent Florida insurers. Source
If the home is not livable
Many homeowners policies include Additional Living Expenses, also called loss of use, which pays for somewhere to live while the house is repaired. Ask the adjuster whether yours does and what the limit is. 1st Choice Living places a furnished travel trailer on your own lot, checks the local rules for your address first, and bills the carrier directly where the claim covers it. How it works, state by state, is on our Hurricane Isaias page, and the local RV rules for every area are on Hurricane Isaias RV rules by county.
Stay on your lot while the house is repaired
Call or send the request form with your claim number, your adjuster’s contact, and the property address. One named contact, local rules checked before delivery, direct billing to your carrier where the claim covers it.
Frequently asked questions
Which number do I call if my wind coverage is with AIUA, MWUA, or Citizens?
The wind claim goes to the pool that wrote the wind policy: AIUA at 1-866-780-2482, MWUA at 1-866-634-4465 or 1-800-853-4434, or Citizens at 866.411.2742, each as printed on the pool’s own claims page on October 15, 2026. The company that writes the rest of your homeowners policy handles the non-wind parts of the claim. If you are not sure which policy covers what, call both and ask each adjuster in writing.
Does flood insurance pay for somewhere to live?
FloodSmart, the National Flood Insurance Program’s site, lists temporary housing and additional living expenses during your home’s repair among the things flood insurance does not cover. Report a flood loss to the company that wrote the flood policy; NFIP Direct policyholders call (800) 638-6620, and (877) 336-2627 finds your flood insurer if you do not know it.
What should I say when I call?
Give your policy number, the property address, the date of loss (the storm made landfall the evening of October 9, 2026), what was damaged, and whether the home is livable. If it is not, ask whether your policy includes Additional Living Expenses, what the limit is, and where to send receipts. Write down the claim number and the adjuster’s name and number.
Is 1st Choice Living connected to any of these companies?
No. 1st Choice Living is an independent temporary housing company. We are not affiliated with any insurer, wind pool, or FEMA, and we do not decide coverage. We place a furnished travel trailer on your own lot and bill the carrier under ALE where the adjuster approves it.
A number here is wrong or has changed. What do I do?
Use the number on your policy documents or the insurer’s own site; each entry links the page we read it on. Insurers change numbers and add storm lines after an event. Tell us and we will fix the page.
Independence and sources. 1st Choice Living is not affiliated with, endorsed by, or paid by any insurer, wind pool, guaranty association, or FEMA. Company names belong to their owners. Every number above was read on the page linked next to it on October 15, 2026. Pages checked:
- https://www.statefarm.com/customer-care/contact-us
- https://www.statefarm.com/claims
- https://www.allstatenewsroom.com/news/allstate-supports-customers-after-hurricane-isaias/
- https://www.allstate.com/claims/file-track
- https://www.usaa.com/support/
- https://www.usaa.com/inet/wc/insurance-file-claims-auto-property
- https://www.farmers.com/claims/
- https://www.farmers.com/claims/efnol-landing/
- https://www.libertymutual.com/claims-center
- https://www.nationwide.com/personal/insurance/claims/faq/
- https://www.nationwide.com/personal/insurance/claims/
- https://www.travelers.com/contact-us
- https://www.travelers.com/claims/file-claim
- https://www.progressive.com/claims/
- https://www.auto-owners.com/claims/report-a-claim
- https://www.chubb.com/us-en/claims.html
- https://www.thehartford.com/homeowners-insurance/claims
- https://claims.thehartford.com/property/home
- https://www.kin.com/claims/
- https://www.alfainsurance.com/claims/file-a-claim
- https://msfbins.com/products/real-storm-protection/claims/
- https://floridafarmbureau.com/report-claim/
- https://apps.floridafarmbureau.com/CustomerPortal/
- https://www.aiua.org/claims-information
- https://www.aiua.org/claims/new
- https://msplans.com/mwua/claim-information-reporting
- https://service-mwua.iscs.com/
- https://www.citizensfla.com/claims
- https://www.aiicfl.com/
- https://www.edisoninsurance.com/claims
- https://www.floridapeninsula.com/claims
- https://www.frontlineinsurance.com/
- https://customer.frontlineinsurance.com/
- https://www.heritagepci.com/claims-center/
- https://hcpci.com/claims/
- https://www.olympusinsurance.com/claims
- https://peoplestrustinsurance.com/policyholders/file-a-claim/
- https://www.securityfirstflorida.com/claims-process/
- https://www.slideinsurance.com/claimscenter
- https://www.southernoak.com/claims/
- https://www.thig.com/claims/
- https://typtap.com/claims/
- https://universalproperty.com/contact/
- https://universalproperty.com/claims/
- https://www.floodsmart.gov/contact
- https://aldoi.gov/contactus.aspx
- https://www.mid.ms.gov/
- https://myfloridacfo.com/division/consumers/storm
- https://figafacts.com/