Hurricane Claim Timeline
Florida has specific deadlines governing every phase of the insurance claim process. Missing a deadline can result in a denied claim or the loss of your right to sue. Use this timeline as a reference — always check your specific policy.
Disclaimer
These are general Florida insurance deadlines. Your specific policy may have different requirements. Review your policy declarations and contact your insurer directly for your claim-specific deadlines.
Immediately After the Storm
Day 1–3- •Document all damage with photos and video (timestamped)
- •Take steps to prevent further damage (tarping, boarding) — keep all receipts
- •Notify your insurance carrier by phone AND in writing
- •Record the adjuster's name, claim number, and contact info
Insurer Acknowledgment
Within 14 days- •Insurer must acknowledge receipt of claim in writing (FL Statute §627.70131)
- •Insurer must initiate claim investigation within 14 days of written proof of loss
- •If you haven't heard back, follow up in writing and document the conversation
Field Adjuster Inspection
Within 30 days of claim filing- •Insurer must complete inspection within 30 days of accepting the claim (FL law)
- •Request a copy of the adjuster's estimate worksheet
- •Walk the property with the adjuster and point out all damaged areas
- •Note any items the adjuster does not include
Proof of Loss Submission
Usually 60–90 days after loss- •Most policies require a formal Sworn Proof of Loss within 60–90 days of the loss
- •This is a legal document signed under oath — use the insurer's official form
- •Include: itemized damage description, repair estimates, and photos
- •Missing this deadline can be fatal to your claim
Claim Decision
Within 90 days of proof of loss- •Insurer must pay or deny within 90 days of receiving Proof of Loss (FL §627.70131)
- •If approved, payment typically follows within 20–30 days of the decision
- •If denied or underpaid, you have the right to request an explanation
Internal Appeal
Usually 30–180 days from denial- •Most insurers have a formal re-review/appeal process
- •Submit: written appeal, additional documentation, contractor estimates, expert letters
- •Keep copies of everything and document all phone conversations
- •Set a calendar reminder — appeal windows can close quickly
Department of Financial Services Complaint
Anytime — but act promptly- •DFS complaint can be filed at myfloridacfo.com at any time during the process
- •DFS will contact the insurer on your behalf and track the complaint
- •This does not replace legal action but often accelerates resolution
Appraisal
Usually within 60 days of claim decision- •Most FL policies include an appraisal clause if you and the insurer disagree on amount
- •Each side selects an appraiser; an umpire decides if they disagree
- •Appraisal is often faster and cheaper than litigation
Statute of Limitations
5 years (FL §95.11)- •Florida's statute of limitations for insurance contract claims is 5 years
- •This is the hard deadline for filing a lawsuit if all else fails
- •Consult a Florida insurance attorney before the deadline approaches
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