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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.

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.

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.

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.

Fort Lauderdale

2000 N.E. 45th Street
Ft. Lauderdale, FL 33308

Phone (954) 951-0000
Fax: (954) 951-1000

West Palm Beach

500 South Australian Ave.
Suite 600
West Palm Beach, Florida 33401
(by appointment)

Toll-free: 833-332-1333


71 Commercial Street #40
Merchantile Building
Boston, MA 02109
(by appointment)

Toll-free: 833-332-1333

The information contained in this website is provided for informational purposes only.  This website may contain information about The Injury Firm's past results, testimonials about the firm or a lawyer within the firm, and statements regarding the quality of The Injury Firm's work product. This information has not been reviewed or approved by The Florida Bar. Please be advised that: 1) the facts and circumstances of your case may differ from the matters for which results and testimonials have been provided: 2) Not all results of cases handled by the firm or its lawyers are provided and not all clients have given testimonials; and 3) The results and testimonials provided are not necessarily representative of results obtained by the firm or by its lawyers or of the experience of all clients or others within the firm or its lawyers. Every case is different, and each client’s case must be evaluated and handled on its own merits.