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How Long Do You Have to File an Insurance Claim in Florida After a Storm?

Despite the charm and positives that come with living in Florida, one of the most obvious disadvantages is the constant threat of extreme weather. When a storm or hurricane comes around, it can wreak havoc for homeowners, business owners, and, well, absolutely everybody. Of course, storms can damage roofs, outhouses, sheds, cars, and plenty more. This then leads to thousands of claims all reaching the same insurance companies all at once. If you’re worried about your own claim, we’re going to answer some basic questions here today.

First and foremost, we recommend getting in contact with a professional and reliable law firm as soon as possible after a storm. For example, at The Injury Firm, we have extensive experience in dealing with these cases and should be able to put your case in the best position to receive the compensation you’re owed. However, there is a specific law relating to storms and extreme weather.

Florida Law Statute 627.70132 Notice of Windstorm or Hurricane Claim

Under Florida Law Statute, you need to file your claim within 3 years of the storm making landfall (or when the weather reached and damaged your home). Since the period immediately after extreme weather can be the busiest time for insurance companies, they may take longer than normal to reply and acknowledge your claim. Despite this, you have three full years between the damage and when you can no longer claim.

Review Your Own Windstorm Policy

The reason why we recommend getting in touch with a law firm early, assuming the damage is severe and/or there are leaks in your home, is because all policies tend to be different. Throughout the process, there are certain forms that are required to be completed and these become harder to fill as time goes on. For example, it’s easier to compile loss lists and estimates shortly after the storm as opposed to two years later.

Furthermore, the damage caused by the storm could lead to different processes in the weeks and months ahead. Although the deadlines for roof damage and flooding may be similar, the way the cases are handled is not.

Contacting a Reliable Property Damage Law Firm

With professionals by your side, your hurricane or storm damage claim will be in the best hands and you won’t need to worry about time limits at all. In truth, this area of law can be confusing and you might be concerned about the differences in law between hurricanes, fires, tornadoes, wind, hail, storms, and every other form of extreme weather. Luckily, we know everything there is to know so can support you through the process (while avoiding many common mistakes!).

What many people don’t know is that it’s also possible to add to claims, and this may lead to additional time being allowed. In the past, we’ve even seen cases reopened after discovering new losses or after the individual chose to go it alone and overlooked damaged the first time. If you believe you were unfairly denied compensation, or you believe you should have been paid more money, there could be opportunities to reopen the case so long as it is handled correctly and within time.


Under Florida Statute Law, all potential claims after storm damage will expire in three years if not filed. With vast experience in this area of law, we recommend contacting The Injury Firm today for best results. Rather than handling it all alone and potentially undervaluing your losses, we’ll help you to get it right and rebuild your life after this terrible event! 

Hurriсаnе Inѕurаnсе Claims Lаwуеrs

Aftеr a hurriсаnе, mаnу hоmеоwnеrѕ lооk аt thеir inѕurаnсе роliсiеѕ for thе firѕt timе аnd find оut thеir inѕurаnсе роliсiеѕ wоn’t соvеr all the lоѕѕеѕ thеу ѕuѕtаinеd. Mоѕt hоmеоwnеrѕ dоn’t hаvе flооd inѕurаnсе, uѕuаllу bесаuѕе thеу wеrе nеvеr rеԛuirеd tо buу. Yоu’rе required tо buy flооd inѕurаnсе if уоu livе in a flооd zоnе оn FEMA’ѕ flооd mар, but hurricanes оftеn dаmаgе аrеаѕ thаt аrеn’t dеѕignаtеd аѕ flооd zоnеѕ. And duе tо thе аnti-соnсurrеnt саuѕаtiоn сlаuѕе, уоur hоmеоwnеrѕ inѕurаnсе won’t еvеn рау fоr wind dаmаgе if it оссurrеd along with an event thаt’ѕ еxсludеd in thе роliсу, ѕuсh аѕ flооding.

You рurсhаѕеd рrореrtу insurance аnd mаdе аll уоur рrеmium рауmеntѕ оn timе. Now уоu filеd a claim due to dаmаgе frоm thе hurricane, аnd your рrоvidеr fails to рrоvidе you with the mоnеу уоu need. If you have a dеniеd hurricane inѕurаnсе сlаim, оr the аmоunt оf mоnеу thаt iѕ оffеrеd as a rеѕоlutiоn iѕ tоо low, you hаvе thе right to filе a dispute оr appeal. Thе lаw allows уоu tо filе a lаwѕuit against аn inѕurаnсе company if thеу act in bаd fаith. If you have a diѕрutе regarding an inѕurаnсе сlаim, it iѕ hеlрful to contact a Flоridа hurriсаnе inѕurаnсе diѕрutе lаwуеr аѕ soon аѕ роѕѕiblе.

Property Claims

Despite the many positives of living in beautiful Florida, there are also some downsides such as the frequency of tropical storms and hurricanes. Unfortunately, these will cause devastation to homes and personal possessions. For example, common damage includes theft, tile damage, burst pipes, roof damage, and sinkholes. With a burst pipe, this has problems of its own because it leads to water damage, destroyed furniture, and even mold. On the other hand, your home instantly becomes uninhabitable with a damaged roof.

During these troubling times, we hope to rely on the insurance companies we’ve been paying for so long but this often isn't the case. While some will conduct inadequate research, others will undervalue your claim and this is called ‘bad faith’. In the past, we’ve even seen some companies offer to replace a portion of the roof when they’re actually required to fix the whole roof by law.

Fort Lauderdale Hurricane Property Damage: Contact a Property Damage Attorney

With the likelihood of storms and hurricanes in Florida higher than most other states, most homeowners constantly have a worry in the back of their minds. When nature does take over and damage your home, you need to contact a professional and reliable property damage attorney and this is what you have in The Injury Firm. With some attorneys, they don’t know how to go up against the huge insurance companies but we have no issue and our successful track record only goes to prove this.

Dealing with Roof Leaks

Important Questions and Information About Roof Leaks

When it comes to property damage from roof leaks caused by a storm, a hurricane or other situation, the damage can be horrendous and, in truth, heartbreaking. Regardless of whether the roof leak affects one room or the whole house, water can cause damage to the flooring, electrical outputs, furniture, and a whole lot more. Of course, the instant reaction is to get in contact with the property damage insurance company but sadly many people are left feeling underwhelmed by their given quote or disappointed by an outright rejection.

If you’ve experienced either recently, please contact our property damage legal experts here at The Injury Firm and we’ll do what we can to remedy the situation.

Insurance Claims for Pipe Damage and Plumbing Leaks

In life, there are certain things we try to protect; our own lives, our children, our cars, and other valuables. Furthermore, our homes should also make this list since they represent the single biggest purchase we’re ever likely to make. Therefore, it can be devastating to experience plumbing leaks and burst pipes. As well as dealing with the original damage, you might have water damage all around the home from your electrical outputs to furniture.

As long as you have home insurance, you’re entitled to help but many have issues with undervalued compensation and even rejections. If this is the case, you need a professional attorney by your side like our expert service here at The Injury Firm.

Fort Lauderdale Attorneys: Lost Value of Car After Accident - Diminished Value Claim Florida

From a simple scrape to a head-on collision, cars simply aren't designed for contact which means it normally leads to costly damage. As soon as a car is involved in an accident, its value will decrease instantly and even repairs won’t restore it to the same levels as before the accident. Unfortunately, this is why negligent driving can be so frustrating for the innocent party. If you’ve recently been in this situation, you may be entitled to diminished value claim compensation because of lost value of car after accident..

Despite many areas of law being simplified in recent years, obtaining damages for diminished value of property is still very confusing. For this reason, we highly recommend talking to a professional. At The Injury Firm, for example, we’ve helped many innocent drivers get compensation after property damage and we can utilize this experience to help you too.

Insurance Claims for Property Damage

Over the past few years, we’ve worked with numerous people who have been victims of flood, hurricane, fire, and wind-related disasters. Therefore, we have the experience and skills to help if you’ve experienced the same problem.

As long as you have insurance in place, you’re entitled to compensation. The problem? Insurance companies are just like any other business in that their main aim is profit. As soon as they spot a grey area in your policy, they’ll play on it and utilize this so they don’t have to pay a cent. After an incident, you’ll be put in contact with an ‘insurance adjuster’ who works for the provider and will always have their best interest in mind rather than helping you move the case forward.

With all this in mind, you need a professional with experience in Fort Lauderdale to stand by your side and stand up to the large insurance companies. By contacting us as soon as possible, we can guide you through the process and handle all the negotiations on your behalf to achieve the right result for you.

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