In Florida, as an insured policyholder, you have three years to notify your insurance company after a hurricane has made landfall. Within that time-frame, reopened claims and supplemental claims also apply.
The reason for supplemental claims is that problems with your home may not present themselves at the time that you have filed your initial claim.
Damages may show themselves sometime after a hurricane has passed. Knowing all of the requirements and time-frames associated with a claim for a hurricane is important, especially if you are currently living in the state of Florida and to add-on the fact that we are in active hurricane season.
Come to learn of all the specifications, requirements, and legal aspects tied with filing a claim at Churchill Miami Public adjusting professionals.
Florida Statute Concerning Time Period to File Claim
Understanding the Florida statutes for insurance policies is not easy. But, as you continue reading, we will provide you with the exact wording provided by the Florida statue concerning the time frame you have to file a claim for losses by a hurricane:
“Notice of windstorm or hurricane claim.—A claim, supplemental claim, or reopened claim under an insurance policy that provides property insurance, as defined in s.624.604, for loss or damage caused by the peril of windstorm or hurricane is barred unless notice of the claim, supplemental claim, or reopened claim was given to the insurer in accordance with the terms of the policy within 3 years after the hurricane first made landfall or the windstorm caused the covered damage.
For purposes of this section, the term “supplemental claim” or “reopened claim” means any additional claim for recovery from the insurer for losses from the same hurricane or windstorm which the insurer has previously adjusted pursuant to the initial claim. This section does not affect any applicable limitation on civil actions provided in s. 95.11 for claims, supplemental claims, or reopened claims timely filed under this section.”
We will help you decipher this very relevant Florida statute and determine whether you have a claim that falls under this statute. Don’t think that if your roof has suddenly demonstrated damages just two years after a hurricane hit your home that it is too late to file. Three years is the time that is allotted to you. Take advantage of that fact and call one of our great Miami public adjusters.