A public adjuster inspecting storm-damaged roof shingles on a Florida home

INSURANCE COMPANY CLAIMS

State Farm Insurance Claim Help

Florida and New Jersey. Call Homeland before you call State Farm.

Short answer: State Farm is the largest residential insurer in Florida by policies in force and the largest homeowners insurer in New Jersey. In Florida, the policies are written by State Farm Florida Insurance Company; in New Jersey, by State Farm Fire and Casualty Company.

Last reviewed: October 2026

Before you call State Farm, call Homeland. The first report of a loss frames the whole claim. We review your policy, document the damage and give State Farm written notice of the claim for you. Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Free Claim Review Florida (305) 783-3777 New Jersey (732) 517-3777

State Farm Florida in Florida, by the numbers

At July 31, 2026, State Farm Florida reported 666,923 Florida residential policies in force, ranking #1 among the 163 companies in OIR’s July 2026 report by residential policy count: 396,393 homeowners, 165,029 renters, 93,219 condo unit (HO-6), and 12,282 commercial residential. It reported 2,264 new claims opened in July 2026.

State Farm Florida residential policies in force by policy type, July 31, 2026. Source: Florida OIR Monthly Market Intelligence Report

Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR.

State Farm in New Jersey

State Farm held 12.87% of New Jersey homeowners policies in force at December 31, 2025, #1 in the state, according to the New Jersey Department of Banking and Insurance’s Homeowners Market Survey.

Top New Jersey homeowners insurance groups by share of policies in force, December 31, 2025. Source: NJ DOBI Homeowners Market Survey

Before you call State Farm

Call us first. We read your policy, then report the claim to State Farm in writing, with the facts and photos that support it.

Before anything is thrown out, photograph and video every room, the roof and the outside, and keep damaged items. Make only the repairs needed to stop more damage, and keep every receipt.

Talk to us before you give a statement or sign anything, whether it comes from the insurance company or a contractor.

We get the full policy, not just the declarations page, because the endorsements and exclusions decide the claim.

Your deadlines and State Farm’s, in Florida

Notice of the claim must be given within 1 year of the date of loss for a new or reopened claim, and within 18 months for a supplemental claim (Fla. Stat. §627.70132). We give that notice for you.

The insurer acknowledges your claim within 7 days, sends you its adjuster’s detailed estimate within 7 days after the adjuster prepares it, and pays or denies within 60 days of notice unless factors beyond its control intervene (Fla. Stat. §627.70131).

If you disagree on the amount, your options include re-documenting and negotiating, the appraisal clause in your policy, and free mediation through the Florida Department of Financial Services. See every option, compared.

…and in New Jersey

The insurer begins investigating within 10 working days of receiving notice of the claim (N.J.A.C. 11:2-17.7(a)).

It pays a first-party claim within 30 calendar days of receiving properly executed proofs of loss; if it needs more time, it must tell you in writing why, and update you every 45 days (N.J.A.C. 11:2-17.7(c) and (e)).

Your policy sets the deadline to give notice of the loss and to sue, so call us promptly; we read the conditions section and give notice in time.

Where State Farm claims most often need help

State Farm Florida writes homeowners, condo unit (HO-6) and renters policies, so most of its claims are water, wind and roof losses on homes and condos. On condo claims, the line between the association’s master policy and your HO-6 decides who pays for what; see master policy vs. HO-6. On roof claims, Florida’s matching and roof-repair rules often decide the outcome; see the roof-repair code change.

How Homeland helps with your State Farm claim

We represent you, not the insurance company. We read your policy, document the loss, prepare a line-item estimate, and handle the claim with State Farm’s adjusters from start to finish, in English or Spanish. If State Farm has already paid or denied, upload the letter or estimate to Claim Review for a free first read.

Call 24/7: Florida (305) 783-3777 · New Jersey (732) 517-3777 · Se habla español.

Frequently asked questions

Should I call State Farm first?

Call us first. We review your policy and the damage, then give State Farm written notice of the claim, so the claim starts with the facts that support it.

Which State Farm company insures my Florida home?

State Farm Florida Insurance Company writes State Farm’s Florida residential policies. Check the company name on your declarations page.

Can I hire a public adjuster on a State Farm claim?

Yes. A licensed public adjuster represents you, the policyholder, on the claim. Homeland is licensed in Florida and New Jersey.

Sources: N.J.A.C. 11:2-17.7; NJ DOBI Homeowners Market Survey, 12/31/2025; Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026; Fla. Stat. §627.70131; Fla. Stat. §627.70132.

Homeland Public Adjusters is not affiliated with, endorsed by or sponsored by any insurance company named on this page. Company names are used only to identify the insurer. This page is general information, not legal advice.

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In New Jersey

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Claims We Handle

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State Farm Claims We Handle

We represent property owners on State Farm claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.

Hurricane & Wind Damage Claims Winter Storm & Roof Damage Claims Water Damage Claims Lightning, Trees & Other Claims Denied & Underpaid Claims Condo & HOA Association Claims Business & Commercial Claims

How Can We Help You Recover?

Call Homeland Before You Call the Insurer

Upload photos of the damage, your policy, or a letter or estimate you already received. A licensed public adjuster reviews it for free and calls you back right away. No Recovery, No Fee.

Start My Claim →Review My Claim →Scan My Policy →

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.