How to File a Windshield Insurance Claim in Florida

Updated July 2026 · BL Auto Glass · Serving Central Florida

A simple, step-by-step walkthrough for filing a Florida windshield claim, including how many drivers pay nothing at all.

Step 1: Confirm You Have Comprehensive Coverage

Before anything else, check whether your policy includes comprehensive coverage. This is the piece that covers non-collision events like glass damage, and it's the key to Florida's windshield benefit. Under Florida Statute 627.7288, drivers with comprehensive coverage can typically have a windshield replacement covered with a $0 deductible, no out-of-pocket cost.

Look for "comprehensive" or "comp" on your declarations page or in your insurer's app. Liability-only and collision-only policies don't qualify for the glass benefit. Full details are in does insurance cover windshield replacement in Florida. Always confirm your specifics with the insurer.

Step 2: Call the Shop First (We Can Handle It)

Here's a tip most people don't realize: you don't have to call your insurance company yourself. You can call the glass shop first, and we'll file the claim for you. BL Auto Glass coordinates directly with your insurer, handles the paperwork, and confirms your coverage so you don't spend an afternoon on hold.

Just call 407-388-4718, tell us what happened, and we'll take it from there. It's the fastest, least stressful path to getting your windshield fixed.

Step 3: Have Your Information Ready

To get your claim moving quickly, have a few things handy:

• Your insurance policy number and the name of your carrier
• Your vehicle details: year, make, model, and VIN if you have it
• A quick description of the damage and how it happened
• The date the damage occurred, if you remember it

That's usually all it takes. We'll verify the rest with your insurer.

Step 4: Choose Your Own Shop

Florida law protects your right to choose any licensed shop you want. Your insurer might suggest a preferred network provider, but they cannot require you to use it. This matters because your windshield is a structural safety part, and correct glass, adhesive, and cure time are what keep you safe. Pick a local team you trust to do it right, not just whoever the insurer names.

Step 5: Make Sure Calibration Is Documented

If your vehicle has a forward-facing camera (most newer models do), it will likely need ADAS recalibration after the windshield is replaced so safety features like automatic braking and lane keeping work correctly. In Florida, this calibration is typically covered along with the glass when you have comprehensive coverage.

Make sure the calibration is performed and documented as part of the job. It's an important safety step, not an optional extra. To understand why it matters, read what is ADAS calibration.

Step 6: Schedule and Relax

Once the claim is set, we schedule your install, often the same day. Our mobile team comes to your home or work anywhere in Central Florida, from Davenport and Kissimmee to Orlando, Clermont, Apopka, and Winter Garden. We're available 24/7 and back every job with a lifetime warranty.

For most drivers with comprehensive coverage, the whole thing costs nothing out of pocket and takes just a phone call to start. Ready when you are, 407-388-4718.