Understanding the Time Limitations and Steps to Take for a Successful Hurricane Damage Claim in Florida
Hurricanes can cause severe damage to homes and other properties, leaving individuals and families grappling with the aftermath of the disaster. If you’re a Florida resident, you might be wondering how long you have to file a claim for hurricane damage. Filing your claim in a timely manner is crucial to getting the financial assistance you need to repair and rebuild your home. In this blog post, we’ll explore the time limitations for filing a Florida hurricane damage claim, factors that can affect these limitations, and steps you can take to ensure a successful claim.
Time Limitations for Filing a Hurricane Damage Claim in Florida
Florida law requires that insurance companies provide a timeframe for policyholders to report their losses and file a claim. According to Florida statutes, policyholders have up to one year from the date of the hurricane to file a new claim for hurricane damage and 18 months to reopen a claim. However, many insurance policies have specific provisions that shorten this timeframe, so it’s important to read your policy and understand the terms and conditions.
Exceptions to these time limitations may apply in cases of extenuating circumstances such as a declared state of emergency or other unforeseen circumstances that prevented timely filing.
Factors That Can Affect the Time Limitations
Several factors can affect the time limitations for filing a hurricane damage claim in Florida. For example, the type of damage can impact the time limit for filing a claim. In some cases, damage caused by flooding may be covered under a separate flood insurance policy, which may have different filing deadlines.
The terms and conditions of your insurance policy can also affect the time limitations. Policies may include exclusions or limitations that could affect your ability to file a claim, so it’s important to understand the details of your policy.
The nature of the disaster can also impact the time limit for filing a claim. For instance, if the hurricane caused widespread damage, insurance companies may experience delays in processing claims due to high demand.
External factors, such as court decisions or changes in the law, may also impact the time limitations for filing a hurricane damage claim.
Steps to Take After a Hurricane
To ensure a successful claim, it’s essential to take the right steps after a hurricane. Here are some important steps to take:
- Report the loss to your insurance company as soon as possible.
- Document the damage by taking photographs and videos of the damage to your property.
- Communicate with your insurance company to ensure that you understand the process for filing a claim and to provide any additional information requested.
- Seek legal advice if necessary. A qualified hurricane damage attorney can help you navigate the claims process, review your policy, and represent you in negotiations with the insurance company.
Florida Hurricane Damage Insurance Lawyers
Filing a claim for hurricane damage can be a complex and time-consuming process. However, it’s crucial to file in a timely manner to ensure that you receive the financial assistance you need to rebuild and repair your home. Understanding the time limitations, factors that can affect those limitations, and taking the right steps after a hurricane can help ensure a successful claim.
At Landau Law, we have vast experience helping clients with hurricane damage insurance claims. A few recent examples include:
- A settlement of over $850k was obtained for a single residence severely damaged in Hurricane Michael. The insurance company failed to timely communicate and fairly adjust the claim and had paid nothing until we were brought on board. We obtained the full policy limits.
- A settlement of over $500k was obtained for a large condominium in downtown Miami which sustained substantial damage including the roof, windows, sliding doors, exterior and interior due to Hurricane Irma. The insurance company had initially admitted there was damage, but they claimed that the amount of damage was less than the deductible.
- $550k obtained through arbitration for a substantial office complex in downtown Miami sustained that suffered extensive damage, including to the roof, windows and interior, due to Hurricane Irma. The claim was initially underpaid by the insurance company.
If you’re having difficulty navigating the claims process or understanding your policy, contact Landau Law today to speak with a qualified attorney who can help you protect your rights and interests.
Florida Property Damage Lawyer
Hurricane Damage Blog Posts
Hurricane season in Florida typically spans from June 1st to November 30th each year. However, it's important to note that storms can form outside of this official season, so vigilance and preparedness should be maintained year-round. Florida, along with some...
In the aftermath of Hurricane Ian, Florida's insurance landscape has been marred by a concerning revelation. Recent data released by Commissioner Michael Yaworsky indicates that nearly 200,000 claims related to the hurricane have been closed without any payment. This...
Hurricane Ian was one of the strongest storms ever to hit Florida and the United States. Many people suffered catastrophic damages, while some just needed minor repairs. Whatever the level of your loss, it is important to understand that your hurricane Ian insurance...
In 2022, Hurricane Ian made headlines for being one of Florida’s strongest and costliest storms ever. Recent estimates suggest that Ian caused an unbelievable $50 billion to $65 billion in insured damages after hitting land. This number has only been exceeded once in...
Hurricane Ian hit Florida with a ferocity that left homeowners and business owners scrambling to put the pieces back together. Insurance companies have provided help to some but not always with the level of support needed. Hurricane Ian victims face an additional...
Facing a hurricane as powerful as hurricane Ian is a heralding experience that leaves homeowners trying to pick up the pieces of their homes and lives. Sadly, many hurricane Ian insurance claims are being denied or undervalued. Insurance companies are doing this in an...
Hurricane Ian made history as one of the strongest storms to ever make landfall in Florida. With maximum wind gusts reaching an unfathomable 150 mph, everyone in the path of the storm likely felt its wrath. In the aftermath, you may be wondering whether it’s time to...
According to recent estimates, Hurricane Ian may be Florida’s most expensive storm in history. Included in these losses are property damage, total losses, and lost revenue. If you own a business in Florida, then there’s a great chance that you lost out on a...