Filing a windshield insurance claim in Florida can feel confusing, especially when insurance companies use different terminology, verification steps, and approval timelines. This 2026 claims guide breaks down the entire process, your rights under Florida law, and what to expect from start to finish — all written for the everyday driver.
Why Windshield Claims Are Treated Differently in Florida
Florida is one of the few states that protects drivers through Florida Statute 627.7288. If you have comprehensive coverage, your insurance company must cover the full cost of windshield replacement with no deductible. This means most drivers pay $0 out of pocket.
- No deductible for windshield replacement
- Does not impact your premium or “raise your insurance”
- Applies statewide for qualifying insurance policies
- Mobile service is allowed and fully compliant with the law
When Should You File a Windshield Claim?
Florida drivers should file a claim as soon as a chip or crack appears — especially if it is spreading. Heat, humidity, and highway driving cause even small cracks to expand quickly.
- Cracks longer than 6 inches
- Damage in the driver's line of sight
- Chips that are growing or changing shape
- Windshield sensors (ADAS) giving warnings
- Multiple chips from construction debris or storms
Step-by-Step: How a Windshield Claim Works in 2026
1. Submit Your Information
Your technician or service provider will collect your name, policy details, and vehicle information. This is required to verify eligibility under your insurance.
2. Insurance Verification
The shop contacts your insurance company or their third-party administrator (TPA), such as Safelite Solutions, to confirm active coverage. This does not count as a claim — it is simply a verification step.
3. Authorization for Replacement
After verifying your policy, the insurer issues authorization for the replacement. This allows the technician to order OEM-quality glass and schedule your mobile installation.
4. Mobile Installation (Same Day When Available)
The technician replaces your windshield at your home, driveway, or workplace. The adhesive cures quickly, and you receive a lifetime workmanship warranty.
5. Final Paperwork Submission
After the job is complete, the shop submits digital paperwork to your insurance. You do not pay anything if your coverage qualifies under Florida law.
Does Filing a Windshield Claim Raise Your Insurance?
No — windshield claims in Florida do not raise your insurance rates because they fall under comprehensive coverage, not collision. Weather damage, road debris, and falling objects are not your fault, so insurance companies cannot penalize you for using the benefit you already pay for.
Common Misconceptions in 2026
- “I need to call my insurance first.” Not required — your technician handles verification for you.
- “I might get charged later.” Not true — $0 replacement is guaranteed with active comprehensive coverage.
- “It will take days to schedule.” Most replacements are completed the same or next day.
- “Only Safelite can replace it.” False — Florida law allows any certified shop to complete the job.
Why Choose MyFreeWindshield for Your Windshield Claim
- ✔ $0 out-of-pocket for qualifying insurance
- ✔ Same-day mobile replacement
- ✔ OEM-quality glass and adhesives
- ✔ Lifetime workmanship warranty
- ✔ Fast claim processing with insurance
Whether you're dealing with storm debris, construction gravel, or a sudden crack, Florida law protects your right to safe, affordable windshield replacement.
Check If You Qualify for a $0 Windshield Replacement