A total loss insurance claim is when the insurance company determines that the cost to restore the property is more than the cost of the property itself.  These cases are rare, but they do occur from time-to-time.  One of the most common causes of total loss insurance property claims in Florida is fire damage, as it can destroy entire properties in a matter of minutes. Different states have different rules about total loss insurance claims, so it's important to consult with a professional service like Harrell Adjusting in these matters.