How long do I have to file or reopen a Hurricane Irma claim in Florida? Three Years!
According to Florida law, the policyholder must notify the insurance company with a hurricane insurance claim within 3 years from the hurricane first made landfall. This time period also includes supplemental claims and reopened claims.
The 2017 Florida Statutes 627.70132 specifically states:
“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.”
Sometimes issues may not manifest until after your initial claim is made to your hurricane insurance policy. Supplemental claims may be made within 3 years of the hurricane’s landfall.
If you have recently been denied your Hurricane Irma Insurance Claim, Florida’s Best Public Adjusters can help!
Our team of public adjusters will review your insurance policy and coverage in order to provide you a broad scope of your insurance company’s responsibilities. Our experienced public adjusters can minimize your stress by assisting you with the insurance claim process.
- Document and collect evidence of the property damage from the hurricane and wind.
- Reopen hurricane damage insurance claims and ensure a fair settlement.
- Help you settle your hurricane damage claim for necessary repairs.
At Florida’s Best Public Adjusters, we offer a no upfront cost consultation to answer all your insurance related questions. Insurance companies have a team of professional insurance adjusters representing their interest the claims process, you deserve the same representation.
Florida’s Best Public Adjusters represent the interest of the policyholder!
If you filed a homeowner’s insurance claim and feel your insurer should pay more than they estimated, or wrongfully denied your claim, you aren’t helpless. Florida’s Best Public Adjusters can help!
Our Public Adjusters offer first in class professional insurance representation for a wide variety of claims. For clients whose storm damage insurance claims have been denied or underpaid, hiring a public adjuster will help.
Florida’s Best Public Adjusters services the entire state of Florida. Our offices are located in Boca Raton, Fort Lauderdale, Fort Myers and Orlando FL. Our Public Adjusters can a provides professional insurance claim representation for the following types of loses: Water Damage, Roof Leaks, Hurricane, Flood, Smoke & Fire, Mold, Business Interruptions and more.