Farmers glass claims in Florida
Farmers Windshield Replacement in Florida
Farmers stopped offering Farmers-branded auto policies in Florida in 2023, but Farmers said that change didn't apply to its subsidiaries Bristol West and Foremost. If you're still covered by a Farmers-family policy issued in Florida with comprehensive coverage, your windshield is typically $0.
- $0 with comprehensive on a Florida policy (Fla. Stat. 627.7288)
- You choose the shop — not your insurer (Fla. Stat. 627.7291)
- We help you open the claim and handle scheduling
- Mobile install at your home or work
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Farmers policyholder? We'll verify your coverage first.
Does Farmers cover windshield replacement in Florida?
Yes — if your Farmers auto policy was issued in Florida and includes comprehensive coverage. Under Florida Statute 627.7288, the deductible doesn't apply to windshield damage, so most Farmers policyholders pay $0 for a repair or replacement.
The waiver covers the front windshield; side and rear glass follow your normal comprehensive deductible. Liability-only policies don't cover damage to your own glass, and policies written in another state follow that state's rules. Not sure what you have? Send us your policy details and we'll check before you do anything.
How to file a Farmers windshield claim
- Check your declarations page or ID card to confirm which company issued your policy and that it includes comprehensive coverage.
- Open the glass claim with that company — online, in its app, or through your agent — and say you're choosing your own glass shop.
- Send us your claim number and we schedule your mobile replacement.
Prefer help? Call us at (941) 290-7667 — we can walk you through the call with Farmers and book your appointment on the spot.
Can I choose my own glass shop with Farmers?
Yes. Florida Statute 627.7291 says no insurer can require you to use a particular glass company.
Good to know
- If your Farmers policy was non-renewed after the 2023 exit, use the windshield coverage on your new policy — the same Florida rules apply to any Florida policy with comprehensive coverage.
- Florida's deductible waiver applies to policies issued in Florida. If your auto policy was written in another state, that state's rules apply — send us your policy info and we'll check.
Farmers windshield claim FAQ
Does Farmers cover windshield replacement in Florida?
Yes, if your Farmers auto policy was issued in Florida and includes comprehensive coverage. Florida Statute 627.7288 says the deductible doesn't apply to windshield damage, so the replacement is typically $0. Liability-only policies don't cover damage to your own glass.
Can I choose my own glass shop with Farmers?
Yes. Florida Statute 627.7291 says no insurer can require you to use a particular glass company.
Who files the windshield claim — me or the glass shop?
You do. For policies issued or renewed on or after July 1, 2023, Florida law (s. 627.7289) doesn't allow glass benefits to be assigned to a repair shop, so the claim stays in your name. We walk you through it, usually in one short call.
Will a windshield claim raise my Farmers rates?
Windshield claims fall under comprehensive coverage and aren't at-fault accidents, so they usually don't affect rates the way at-fault accidents can. Florida law doesn't specifically bar insurers from considering claim history, so ask Farmers if you're concerned.
Does Farmers still insure cars in Florida?
Farmers discontinued Farmers-branded auto, home and umbrella policies in Florida in 2023. Farmers said the change didn't apply to policies from its subsidiaries Bristol West and Foremost. Check your ID card to see which company insures you.
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Our services
- Windshield Chip & Crack Repair
- ADAS Camera Calibration
- Fleet & Commercial Windshield Replacement
- Rideshare Driver Windshield Replacement
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MyFreeWindshield is an independent auto glass company. We are not affiliated with, endorsed by, or sponsored by Farmers. Farmers is a trademark of its respective owner.
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