How to File a Windshield Insurance Claim in Florida (Step-by-Step)

If you've been putting off fixing your cracked windshield because you're worried about the cost or the hassle of dealing with insurance, this guide is for you. Filing a windshield claim in Florida is genuinely straightforward — and in most cases, you'll pay absolutely nothing.

Here's the complete process, from the moment you notice the damage to the moment your new windshield is installed.

Florida is one of a handful of states with a zero-deductible windshield law. Under Florida Statute §627.7288, insurance companies must waive your deductible for any windshield repair or replacement covered under comprehensive coverage.

That means if your deductible is $250, $500, or even $1,000 — you still pay $0 for windshield work. You've been paying for this benefit every month as part of your premium. Use it.

Have these ready when you contact your insurer:

• Your insurance policy number (on your insurance card or app)
• Your vehicle information — year, make, model, and VIN (on the driver's side dashboard or door jamb)
• A brief description of the damage — chip, crack, shattered, etc.
• When and how it happened — "rock on I-75 this morning" is fine; you don't need a police report for glass claims

Log into your insurer's app or website, or check your insurance card. Look for "Comprehensive" in your coverage list. If you see it, you're covered.

If you're not sure, call your agent and ask: "Do I have comprehensive coverage, and does it cover windshield replacement with no deductible?" They'll confirm in under two minutes.

Common insurers serving Florida drivers:

• State Farm, GEICO, Progressive, Allstate, USAA, Travelers, AAA, Citizens, and most regional carriers all honor Florida's zero-deductible law.

You can file by phone, app, or online — whichever is easiest. Tell the representative:

They'll ask a few questions about the damage and your vehicle. The call typically takes 10–15 minutes. At the end, you'll receive a claim number. Write it down — that's all you need to give us.

Tip: Some insurers will ask if you want to use their "preferred" glass shop. You are not required to. Florida law gives you the right to choose any licensed auto glass repair facility. You can choose Robo Works.

Once you have your claim number, call or text us at (941) 281-5012 or request a quote online. Give us:

• Your claim number
• Your insurer's name
• Your vehicle year, make, and model
• Your location (we come to you)

We'll verify the coverage directly with your insurer, confirm the scope of work (repair vs. replacement), and get you on the schedule — usually within the same week.

From here, you don't have to do anything. We:

• Bill your insurance company directly
• Order the correct OEM-quality glass for your vehicle
• Come to your home, office, or wherever your car is parked
• Perform the repair or replacement on-site
• Handle ADAS calibration if your vehicle requires it (many newer vehicles do)
• Collect your signature and close out the claim

Your out-of-pocket cost: $0.

Glass claims are rarely denied in Florida, but it can happen if:

• You only carry liability insurance (no comprehensive)
• The damage was caused by a collision (covered under collision, not comprehensive — and your deductible applies)
• Your policy has a specific glass exclusion (uncommon but possible)

If your claim is denied and you believe it shouldn't be, you have the right to request a written explanation and appeal. Florida's Department of Financial Services handles insurance complaints at 1-877-693-5236.

Your insurer will cover whichever is appropriate:

• Chip repair — If the damage is a chip smaller than a quarter and not in the driver's direct line of sight, repair is usually the first option. It's faster and less expensive.
• Full replacement — If the crack is longer than 3 inches, runs edge to edge, or is in the driver's sightline, replacement is required. Insurance covers this at the same $0 cost to you.

We'll assess the damage when we arrive and recommend the right solution. If repair is possible, we'll repair it. If replacement is needed, we'll tell you why.

Will filing a glass claim raise my rates? In most cases, no. Glass-only claims are typically classified as "not-at-fault" and don't affect your premium or driving record. Confirm with your agent if you want to be certain.

How long does the process take? Filing the claim: 10–15 minutes. Scheduling with us: a quick phone call. The repair itself: 30–45 minutes for a chip, 60–90 minutes for a replacement.

Do I need to be present during the repair? You don't need to be there the entire time, but we do need access to the vehicle and a signature when we're done. Many customers leave us in their driveway while they work from home.

Ready to get started? Request a free quote or call (941) 281-5012. We'll handle the insurance so you don't have to.