On October 1, 2018, Sawgrass Mutual Insurance Company (“SMIC”) was ordered liquidated by the Second Judicial Circuit Court in Leon County, Florida. The Florida Department of Financial Services (“Department”) is the court appointed Receiver of SMIC.  Please continue to report all new claims in accordance with the company’s normal claims filling procedures until instructed differently. More information is available on the Department’s website here.


After a Loss

Preparing For Your Inspection

Your safety is our FIRST priority. If you or any authorized persons (i.e., police, fire or government agency) believe that your property is unsafe, please allow our trained adjusters to inspect and assess the damage to your home.

What You Should Do

  • Take photographs of the damages before making any emergency repairs.
  • Make temporary repairs to protect your property and prevent further damage. DO NOT make any permanent repairs.
  • Keep all repair expense receipts and provide them to your claims adjuster.
  • Do not discard any damaged, failed or defective property, e.g. a cracked pipe or floor covering.
  • Prepare an inventory of lost or damaged property. Show a description, and as best you can, the manufacturer, model name/number, place/date of purchase and value. Gather receipts, manuals, photographs and any other documents to provide to the adjuster.

Meeting with Your Claims Adjuster

  • Your claims adjuster will inspect and photograph all property damages.
  • Dependent on the type of claim a recorded statement relating to the claim may be required of you.
  • Our claims adjuster can assist with the coordination of repairs if you have chosen our Preferred Provider
  • Your cooperation with the claim investigation will expedite an amicable resolution.
  • You can rely on your assigned Claims Adjuster and Examiner to answer any of your claim related questions.