After Hurricane Season: Florida Storm Claim Deadlines
Hurricane season ends November 30. Florida’s deadlines for reporting, supplementing and reopening a storm claim do not end with it: they count from the date the storm made landfall.
The season ends. The clock started at landfall.
According to the National Hurricane Center, the Atlantic hurricane season runs from June 1 to November 30. That is a weather calendar, not a claim calendar.
Under Florida’s notice statute, for claims resulting from hurricanes, tornadoes, windstorms, severe rain or other weather-related events, the date of loss is the date that the hurricane made landfall, or the date the tornado, windstorm, severe rain or other weather-related event is verified by the National Oceanic and Atmospheric Administration (Fla. Stat. § 627.70132(3)). Every deadline below runs from that date.
Damage that went unreported through the season, a settlement that did not cover what repairs later uncovered, and an association assessment voted months after the storm each fall under a different rule. Find your property type first.
Condo and HOA boards, apartment owners and commercial property
Association, multi-unit and commercial storm losses involve more than one policy, more than one decision-maker, and often a board vote before anyone can act. Each page below covers how those claims are documented and where carriers push back.
Condo & Association Claims
Condo association losses are high-stakes and board-accountable. We document the whole building.
Learn more →HOA & Community Association Claims
HOA common-area losses are the board’s responsibility to owners. We document them in full.
Learn more →Apartment & Multifamily Claims
Every day an apartment building sits damaged, it loses rent. We claim the building and the income.
Learn more →Commercial Claims
Bigger buildings, bigger stakes, bigger fights. Level the field with your own expert.
Learn more →
Large Loss Claims ($1M+)
Seven- and eight-figure property losses need a specialist, not a generalist. That is what we are.
Learn more →
Business Interruption
The income you lose while you cannot operate is a claim, if it is documented right.
Learn more →Storm damage to your home
The same notice deadlines apply to a single-family home. If the storm opened the roof or let water in and the damage was never reported, or the payment did not cover the repair, start with these.
Florida storm claim deadlines
- Claims and reopened claims: 1 year. A claim or reopened claim, but not a supplemental claim, is barred unless notice of the claim was given to the insurer in accordance with the terms of the policy within 1 year after the date of loss.Fla. Stat. § 627.70132(2), leg.state.fl.us
- Supplemental claims: 18 months. A supplemental claim is barred unless notice of the supplemental claim was given to the insurer in accordance with the terms of the policy within 18 months after the date of loss.Fla. Stat. § 627.70132(2), leg.state.fl.us
- Date of loss for a hurricane: landfall. For claims resulting from hurricanes, the date of loss is the date that the hurricane made landfall.Fla. Stat. § 627.70132(3), leg.state.fl.us
- Condominium loss assessments: up to 3 years. A notice of claim for loss assessment coverage may not occur later than 3 years after the date of loss, and must be provided to the insurer the later of within 1 year after the date of loss, or within 90 days after the date on which the condominium association or its governing board votes to levy an assessment resulting from a covered loss.Fla. Stat. § 627.70132(4)(a), leg.state.fl.us
- The insurer’s answer: 60 days. Within 60 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer.Fla. Stat. § 627.70131(7)(a), leg.state.fl.us
Your policy adds its own duties after a loss, and the one-year and eighteen-month windows came in with Florida’s December 2022 special session, so a loss from before that change may fall under earlier rules. Which rule governs depends on your dates. For how each clock works in practice, read the guides below.
How Long Do You Have to File in Florida?
Four different clocks run on a Florida property claim and they run from different dates. Miss the shortest one and the other three do not matter.
Read the guide →Claim Supplements: Reopening an Underpaid Claim
A settled claim is not a closed one. Supplements exist for damage nobody found the first time, they have their own deadline, and the fee rules on them are specific.
Read the guide →Your Hurricane Claim Was Denied. What Now?
A denial letter is a position, not a verdict. Here is what Florida law requires the carrier to have done, and the four routes still open to you after a hurricane claim is denied.
Read the guide →After-season storm claims
Does the end of hurricane season change my claim deadline?
No. November 30 is the end of the Atlantic hurricane season as the National Hurricane Center defines it. Florida’s notice deadlines count from the date of loss, and for claims resulting from hurricanes the statute sets the date of loss as the date that the hurricane made landfall.
What is the difference between a reopened claim and a supplemental claim?
Florida’s notice statute defines both. A reopened claim is a claim the insurer previously closed that has been reopened at the insured’s request for additional costs for loss or damage previously disclosed to the insurer. A supplemental claim is a claim for additional loss or damage from the same peril which the insurer has previously adjusted, or for costs incurred while completing repairs under an open claim. A reopened claim is barred unless notice is given within 1 year after the date of loss; a supplemental claim, within 18 months.
Our condominium association voted an assessment after the storm. Is there a separate deadline for loss assessment coverage?
Yes. A notice of claim for loss assessment coverage may not occur later than 3 years after the date of loss, and must be provided to the insurer the later of within 1 year after the date of loss, or within 90 days after the date on which the condominium association or its governing board votes to levy an assessment resulting from a covered loss.
How long does the insurer have to pay or deny once it has notice?
Within 60 days after an insurer receives notice of an initial, reopened or supplemental property insurance claim, the insurer must pay or deny the claim or a portion of it, unless the failure to pay is caused by factors beyond the insurer’s control.
Does my policy have its own deadlines too?
Usually, yes. Policies add duties after a loss, such as prompt notice and a sworn proof of loss on request, and those vary by carrier and form. Read the duties-after-loss section of your own policy, or send it to us and we will read it with you.
Sources
- Fla. Stat. § 627.70132, Notice of property insurance claim (2026 Florida Statutes)
- Fla. Stat. § 627.70131, Insurer’s duty to acknowledge communications regarding claims; investigation (2026 Florida Statutes)
- National Hurricane Center, Tropical Cyclone Climatology“The Atlantic hurricane season runs from June 1 to November 30.”
Adjusterman LLC is a Florida-licensed public adjusting firm (FL DFS Public Adjusting Firm License #W913130). We represent policyholders, not insurance companies, and nothing on this page is legal advice. Your policy is the contract, and forms vary by carrier.
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