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Florida Homeowners Insurance Claim Timeline

Basic Disaster Preparedness

Because Florida can experience severe storms at any time of year, it is best to be prepared for storms and other natural disasters by having a disaster plan.

  • Have a family safety plan that includes a family communication plan, an evacuation plan, and a plan for sheltering in place.
  • Complete a home inventory and update the inventory periodically. Create a list of items in each room of your home. Make a video of each room or take pictures of your property in case you need to file a Florida homeowners insurance claim.
  • Create an emergency kit for your home. FEMA provides a list of basic disaster supplies. Don’t forget to create an emergency kit for your vehicle.
  • Create an emergency file that contains important records that you would need in the event of a disaster, such as insurance policies, property records, appraisals, personal identification records, home inventory, list of current medications for each family member, etc.

Once a Watch or Warning Is Issued

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During and After the Storm

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The Week After

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After Filing a Florida Homeowners Insurance Claim

Within 14 Days of Contacting Your Insurance Company

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Within 30 Days of Submitting a Proof of Loss Statement

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Within 60 Days of Submitting a Claim

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Within 90 Days of Filing a Florida Homeowners Insurance Claim

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90+ days after Filing a Florida Homeowners Insurance Claim

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Appealing an Insurance Company’s Decision Moving Forward

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Three Years after the Disaster

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Five Years after the Date of a Loss Allegation Breach of Contract

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Contact a Florida Insurance Claims Lawyer for Help

Because there could be other deadlines applicable in a Florida homeowners insurance claim, it is important to talk to a Florida insurance claims attorney if you have any questions.

If you have concerns about a Florida homeowners insurance claim, contact Danahy & Murray insurance claim attorneys by calling 1-855-969-5100 or by using our online form to request a free consultation.