Deadlines & Triggers
⏰ Deadlines & Triggers Every Florida Homeowner Should Know
Insurance claims in Florida come with strict timelines. Missing even one can reduce or completely block your recovery. Here are the key ones every homeowner should keep in mind:
📅 Claim Filing Deadlines
- Hurricane/Windstorm Claims → Must be filed within 1 year of the event (per §627.70132, F.S.).
- Non-CAT Property Damage (fire, water, plumbing, etc.) → Must be filed within 2 years from the date of loss.
📑 Insurer Response Deadlines
- 14 Days → Insurer must acknowledge your claim.
- 30 Days → Insurer must begin investigation.
- 60 Days → Insurer must pay undisputed amounts after proof of loss is submitted.
- 90 Days → Insurer must fully pay, deny, or explain the claim status.
🚨 Common Triggers That Start the Clock
- Notice of a storm or sudden water damage.
- A contractor or roofer making emergency repairs.
- A public adjuster or attorney submitting your claim.
- You signing a proof-of-loss form.
✅ Pro Tip: Even if you think it’s too late, some claims can be reopened for up to 5 years (hidden damage, underpayment, or denial that can be challenged).
⚡ Next Step: Don’t wait until a deadline passes. Schedule your free Property Protection Check-Up today to know where you stand.