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How Long Do You Have to File a Florida Hurricane Damage Claim? | TheInnocentLawFirm

Updated: Oct 5, 2020





How Long Do You Have to File a Florida Hurricane Damage Claim?


Homeowners have up to 36 months, or three years, to file a hurricane damage claim with their insurance companies, according to Florida statute 627.70132. If you file your claim after this strict deadline, it will cause a denial from your insurer and, subsequently, no payment of benefits made to repair your home.


It is imperative that you avoid missing this deadline. Get an inspection from a Florida Public Adjuster and submit your claim to the insurance company as soon as possible.

Insurance companies are not on your side. When your insurer does not give you a fair settlement, hire a Florida hurricane damage attorney for legal advice related to your specific situation.


Time Limits that Apply to Recent Hurricane Events in Florida


The time clock on your claim in Florida begins running from the date of the storm’s landfall, not the date that your home was damaged. Insurance companies take these dates seriously and enforce them.


Below, you can find the dates that specifically apply to recent major Florida hurricanes:


Hurricane Michael Deadlines


The deadline for Hurricane Michael is October 10, 2021. This deadline is fast approaching. Due to the limitations of current world events, file your claim sooner rather than later in case any unexpected circumstances arise. It is a more seamless process for you if there are fewer hurdles to reaching your claim objectives.


Hurricane Dorian Deadlines


The deadline for Hurricane Dorian is August 28, 2022. Keep in mind that two years goes by faster than you realize, and unknown damage related to the storm may appear after the initial inspection or work. Start your claim early for the most practical approach to receiving an equitable settlement.


Hurricane Irma Deadlines


The deadline for Hurricane Irma expired on September 10, 2020. In general, you can no longer file a claim for damages related to this storm. However, those who filed before this deadline but need to file a supplemental damage claim have until September 10, 2022.


Understand Insurance Notice Requirements


For information related to the timing of your specific claim, read your policy contract for stipulations that relate to loss notices. Some insurers require immediate notice while others request that you provide notice within a “reasonable” timeframe. Make sure you know how they define these more ambiguous words.


The language complexity of an insurance policy can make it difficult to understand. If

you are struggling to understand the terms and conditions that apply to your claim, seek out the help of a hurricane damage attorney in Florida. We can walk you through your policy and protect your rights if you decide to utilize our legal services.


Free Consultation with The Innocent Law Firm


Are you a South Florida homeowner who needs to learn more about your legal options at no-cost? Contact The Innocent Law Firm for a Free Consultation by messaging us privately about your matter here or calling (954) 903-1737 today.

Our legal team returns all messages within 24 business hours.

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