Although you could have quite a lot of issues to do after struggling dwelling harm from a hurricane, getting your declare filed on time is vital.
Our hurricane harm legal professionals at Insurance coverage Declare HQ explains the time restrict for submitting a hurricane declare in Florida.
How Lengthy You Must File a Hurricane Declare in Florida
You might have one 12 months to file a hurricane declare in Florida. The one-year interval is measured from the day the hurricane makes landfall.
What’s the statute of limitations for submitting a hurricane declare in Florida?
Florida Statutes § 627.70132 creates the statute of limitations for submitting a hurricane declare in Florida. The regulation says {that a} declare is barred until discover is given to the insurer inside one 12 months.
Discover should be given in accordance with the phrases of the insurance coverage coverage.
On different websites it says that I’ve extra time to file a declare – who is true?
The regulation was up to date just lately. In the event you learn on one other website that you’ve as much as three years, that info is outdated. For all claims going ahead, one 12 months is the time restrict.
Who decides when the hurricane makes landfall?
For the needs of Florida Statutes § 627.70132, it’s Nationwide Oceanic and Atmospheric Administration (NOAA) data that decide when a hurricane made landfall for the aim of giving discover of loss for an insurance coverage declare.
Are there any exceptions to the one-year restrict for giving discover of hurricane harm?
The deadline to assert harm from Hurricane Ian is September twenty eighth, 2024. United Property and Casualty (UPC) Insurance coverage, an insurer that went bancrupt in February 2023, has a shorter timeframe. That deadline is February twenty seventh, 2024. The Florida Insurance coverage Warranty Affiliation (FIGA) might be stepping in to help with UPC claims.
Service members who’re deployed to a fight zone or fight assist put up could have longer to file a declare for hurricane harm if their deployment impacts their capacity to file a declare.
What Ought to I Do to File a Hurricane Declare on Time?
Don’t wait to start your insurance coverage declare. Doc damages and file your declare straight away.
Ready to file your declare can provide the insurance coverage firm a possibility to query whether or not the loss resulted from the hurricane. They might say that you simply didn’t mitigate damages within the interval earlier than you filed the declare.
As well as, it takes a while to organize a declare, and also you don’t need to go away any doubt about whether or not you filed your declare on time. Start getting ready, and don’t delay submitting your case following a hurricane. You possibly can have an lawyer signify you from the very starting together with the preliminary submitting of the declare.
What occurs if I miss the deadline to file a hurricane declare in Florida?
In the event you miss the deadline to file a hurricane declare in Florida, the insurance coverage firm will nearly actually deny your declare.
Discuss to a Lawyer to File a Hurricane Declare in Florida
At Insurance coverage Declare HQ, we assist folks with hurricane-related insurance coverage claims in Florida. We’d be blissful to assist deal with your case.
Let our workforce allow you to put together to file your declare and file it. We’re skilled professionals who can work to file your declare in a well timed method and signify you in all features of your case.
Contact us now to speak about your scenario and get began.