Florida Insurance Claim Deadline Calculator
Florida law puts a clock on property insurance claims, and it is shorter than most people think. Answer three questions and see your dates. Nothing is stored and nothing is sent unless you ask for it in writing.
Robert Mack — Public Loss Adjusters, LLC
Florida Public Adjuster License #A161638 · SPPA · AIC · AIC-M · CCC
How much time is left on your claim?
Florida law puts clocks on property insurance claims. Enter when the damage happened and where your claim stands.
For a hurricane, tornado, windstorm or other weather event, Florida sets the date of loss by statute — the date the hurricane made landfall, or the date the event is verified by NOAA (Fla. Stat. §627.70132(3)).
Answer the questions above to see your deadline.
Free review. No recovery, no fee.
Florida law sets a separate five-year period for lawsuits on a property insurance policy (Fla. Stat. §95.11(2)(e)). A Florida attorney can confirm how it applies to you.
Condominium and HOA loss assessment claims run on a different clock — the later of 1 year from the loss or 90 days after the association votes the assessment, and never more than 3 years (Fla. Stat. §627.70132(4)). This calculator does not cover those. Call and we will work it out with you.
Want your deadline in writing?
Enter your name and email, and Robert will send you your dates.
Robert Mack, Licensed Public Adjuster, Lic. #A161638. Deadlines depend on your policy and date of loss. This is general information, not legal advice. Notice deadlines: Fla. Stat. §627.70132 — 1 year from the date of loss for a new or reopened claim, 18 months for a supplemental claim.
What happens next
- You call. One conversation, and you will know whether there is anything here worth looking at further.
- A free policy and loss review. We read the policy you actually hold and look at what was actually lost. No cost, no obligation.
- We deal with the insurer. If there is a claim, we take it from there. No recovery, no fee.
Florida property insurance claims: the deadlines and the fee cap
- Notice of a claim
- Under Fla. Stat. §627.70132, a property insurance claim or reopened claim is barred unless notice was given to the insurer within 1 year after the date of loss. A supplemental claim is barred unless notice was given within 18 months after the date of loss. — Fla. Stat. §627.70132(2)
- Time to bring a court action
- An action for breach of a property insurance contract must be brought within 5 years, running from the date of loss. This is a separate clock from the notice deadline, and §627.70132(5) states that the notice statute does not affect it. — Fla. Stat. §95.11(2)(e)
- What a public adjuster may charge
- A public adjuster’s compensation is capped at 20 percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer. For claims based on events that are the subject of a declaration of a state of emergency by the Governor the cap is 10 percent, and that limit applies to claims made during the year after the declaration of emergency. — Fla. Stat. §626.854(11)(b)
- Which deadline applies to you
- Which of these applies to your claim depends on your policy and your date of loss.
Public Loss Adjusters, LLC — Robert Mack, Florida public adjuster, Lic. #A161638. The review is free and carries no obligation. Call 352-353-4556.
Questions people ask about Florida claim deadlines
How long do I have to report a property insurance claim in Florida?
Under Fla. Stat. §627.70132, a property insurance claim or a reopened claim is barred unless notice was given to the insurer within 1 year after the date of loss. A supplemental claim is barred unless notice was given within 18 months after the date of loss. Which one your situation counts as is not always obvious, and it is worth a conversation before you assume.
What counts as a supplemental claim?
The statute defines it as a claim for additional loss or damage from the same peril which the insurer has already adjusted, or for which costs were incurred while completing repairs, under an open claim that was reported on time. That is the 18-month clock rather than the 1-year one.
What counts as a reopened claim?
The statute defines it as a claim the insurer had previously closed, reopened at the insured’s request for additional costs for loss or damage already disclosed to the insurer. It runs on the same 1-year clock as an original claim.
My claim is still open. Does the deadline still matter?
If a claim is open and was reported on time, it may not need reopening at all, and the supplemental window may be the one that matters. The difference decides which date applies to you, so it is worth a call rather than a guess.
The date on the calculator has already passed. Is that the end of it?
Not necessarily. A passed date is a reason to ask sooner rather than a reason to stop. Exceptions exist, earlier rules can apply to older losses, and the statute tolls the period for a servicemember deployed to a combat zone. Call before you assume.
Does the clock run from the storm, or from the day I found the damage?
For hurricanes, tornadoes, windstorms, severe rain and other weather events, Fla. Stat. §627.70132(3) sets the date of loss by statute — the date the hurricane made landfall, or the date the event is verified by the National Oceanic and Atmospheric Administration. That is the date this calculator wants.
Is the deadline to sue my insurer the same deadline?
No, and they are different clocks that are easy to confuse. Fla. Stat. §627.70132 governs giving the insurer notice. A separate five-year period for an action on a property insurance contract sits in Fla. Stat. §95.11(2)(e), and §627.70132(5) says expressly that the notice statute does not affect it. A Florida attorney can confirm how that one applies to you.
Do condominium and HOA loss assessment claims use the same deadline?
No. Notice of a claim for loss assessment coverage under Fla. Stat. §627.714 follows §627.70132(4): the later of 1 year after the date of loss or 90 days after the association votes the assessment, and never later than 3 years. This calculator does not cover those, so call and we will work it through with you.
Does using this cost anything?
No. The calculator is free and stores nothing you type. A claim review is free and carries no obligation, and there is no fee unless there is a recovery.
What clients say
★★★★★ 4.8 out of 5 across 11 Google reviews
“I came here especially to thank Robert and write a review for him (he didn’t ask me to)”
“It will seem like they are helping you out with a claim, but PLA pointed out how they were cutting corners and not paying what is really due.”
“This company was on top of my issue from the moment I called to the very end.”
“As it turned out, I didn’t use Robert. But he put in the time and effort to visit me and provide me with solid information and guidance should the insurance company not be responsive.”
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Robert Mack, Licensed Public Adjuster, Lic. #A161638. Public Loss Adjusters, LLC, Montverde, Florida. Deadlines depend on your policy and your date of loss. This page is general information about Florida law, not legal advice, and it is not a substitute for reading your own policy. Statute text verified against the Florida Statutes on 21 September 2026.