I Don’t Have Home Insurance: Can I Still Get Compensation for Property Damage?

According to recent reports, 15% of homeowners in Florida are now choosing self-insurance. This represents a major increase compared to pre-pandemic levels, and it is not difficult to see why people are making this shift. Premiums are punishingly high, and they seem to get higher and higher each year. If you chose self-insurance and you subsequently experienced property damage, you might wonder if there is any route toward compensation. Could a property insurance lawyer in Fort Lauderdale help you?

You Can Still File a Claim if Someone Else Caused the Property Damage 

First of all, it is important to understand that even if you do not have property insurance, you may still have the right to file a claim if someone else is responsible for the damage. In these situations, you can file a claim against the at-fault party’s insurance policy. This should be enough to cover most or all of the damage.

For example, a semi-truck might crash into the side of your home. Perhaps a drunk driver veered into your garage. Whatever the case may be, this type of property damage should be covered under the at-fault driver’s insurance policy. Even if you do not have property insurance, you should be able to file a claim against the at-fault party and receive enough compensation to repair the damage.

Another situation might involve some kind of malfunctioning product inside your home. For example, a microwave might have malfunctioned, sparking a fire that caused significant damage. In this situation, you could potentially hold the product manufacturer liable for the damage.

Another option may be to explore a potential warranty if you purchased a new home. In 2025, Florida started to require all homebuilders to provide buyers with a minimum one-year warranty for new homes. That said, home insurance may also be unavoidable if you obtained a mortgage for your home purchase. It is almost impossible to self-insure unless you have paid off your home in full.

You May Be Able to Access Federal Compensation Without Insurance

Finally, various federal programs could provide you with compensation, even if you do not have insurance. These programs may provide low-cost loans or direct compensation for repairs. Many of these programs are administered by FEMA, and they may be worth exploring. FEMA compensation could be limited, however, and it may only help you carry out partial repairs after a major flood or disaster.

Contact Our Fort Lauderdale Property Insurance Lawyers Today

At Geyer Fuxa Tyler, our legal team is made up of a diverse combination of attorneys who are well-positioned to protect the legal rights and financial interests of policyholders. If your property insurance claim was denied, we can help. For a free consultation, please call us today at (954) 990-5251. With an office in Sunrise, we represent policyholders in Broward County and throughout the state of Florida.

Sources: 

medium.com/@edmondthorne/floridas-new-property-insurance-trend-growing-numbers-of-floridians-going-without-or-99e6ec882b31

cnbc.com/2017/09/08/how-to-get-money-if-you-dont-have-flood-insurance.html