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How long do you have to file a homeowner’s claim after a hurricane?

On Behalf of | Jun 2, 2021 | Residential Homeowner's Insurance Litigation

As Florida residents, most of us are quite familiar with when hurricane season officially kicks off. The 2021 season just started on June 1. 

There’s a lot that can happen to your home in a storm such as this. You may experience roof damage, your windows may shatter, and your home could come loose from its foundation. 

While you may realize that you can file a claim if something happens to your home, are you aware of how long you have to do so and how quickly your insurer must respond to your filing?

The statute of limitations for filing a Florida homeowners’ insurance claim

Florida gives homeowners three years from when damage occurs to file a claim with their homeowners’ insurance policy. 

This timeline can be helpful as you may find it necessary to keep away from your neighborhood for some time after a storm comes through. Also, the full extent of the damage may not be fully evident until weeks or months after it initially occurs. 

While you have up to three years to file your claim, it’s best if you do so right away. This makes it easier to prove a direct correlation between the storm and the damages sustained. 

Your rights after filing a homeowners’ insurance claim

Both state and federal regulations require insurance companies to abide by timely processing guidelines for all claims. They must notify you if there is going to be an anticipated delay in processing your claim. Insurance companies must also let you know why they deny a claim. An insurer’s failure to turn over this information or offer a remarkably low settlement could result in you being able to file a bad faith insurance claim against them.

Insurance companies are like any other business. Their goal is to pay out as little as possible on claims. This includes your own. An attorney can help you fight for what you deserve if an insurance company has attempted to shortchange you.

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