Robert Mack · Licensed Florida Public Adjuster · Lic. #A161638 — in the insurance industry since 1991.
After a hurricane, insurers split your loss into pieces to shrink the payout
A hurricane claim is rarely one clean loss — it’s wind, water intrusion, interior damage, and a separate hurricane deductible, and insurers know how to split those causes apart to pay the least on each. Damage that’s genuinely covered gets reassigned to an excluded cause, and the full extent behind walls and up on the roof gets under-scoped. How the causation is documented across all of it is what decides your payout. That is exactly the gap we close.
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.
One Orange County hurricane claim: settled at $28,000. That is one claim, on one policy, with its own facts — it is not a prediction about yours, and nobody can tell you what yours is worth before looking at it.
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⏰ Underpaid on a past hurricane claim? Florida law may still give you a window.
If a Florida insurer closed or underpaid a hurricane claim, Fla. Stat. 627.70132 generally gives you a running window to act — but the clock runs from your date of loss, not the day you discover the shortfall. In most cases that means you may have less time than you think.
Your policy’s own notice terms can be shorter, and every claim is different. Whether your window is still open — and acting before it closes — is exactly what we handle. Call 352-353-4556 and we’ll tell you where you stand.
Is My Window Still Open? — Call 352-353-4556General information about Florida claim deadlines, not legal advice. Statutory windows can vary by claim and policy, and your policy’s prompt-notice terms may be shorter — contact us to confirm your specific deadline.
Talk to us before you settle your hurricane claim
We inspect the full loss, document what the carrier’s scope leaves out, and negotiate for the payout your policy actually owes — so you’re not fighting the insurance company alone.
Related: insurance claim denied · public adjuster near me · hurricane claim denied · talk to a licensed public adjuster
If it would help to talk it through with someone local, see public adjusters in Central Florida.