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Robert Mack · Licensed Florida Public Adjuster · Lic. #A161638 — in the insurance industry since 1991.

Hurricane Insurance Claims in Florida

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.

And it costs you nothing out of pocket. A licensed public adjuster handles your hurricane claim on contingency — we’re paid a percentage only if we recover for you. No recovery, no fee. Whether you’re about to file or you’ve already been paid too little, the most valuable move you can make is to talk to us before you settle anything with your insurer.
Call (352) 353-4556 — Free Hurricane Claim ReviewGet My Free Claim Review

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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.

Reopen a closed claimgenerally within 1 year of the date of loss — for additional costs on damage that was already disclosed.
File a supplemental claimgenerally within 18 months of the date of loss — for additional damage from the same event the insurer already adjusted.

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) 353-4556

General 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.

● In the insurance industry since 1991 · Licensed Public Adjuster (Lic. #A161638) · Senior Professional Public Adjuster (SPPA), Associate in Claims (AIC, AIC-M)★ 4.8 · 10 Google reviews● We work for YOU, not the insurer● We only get paid when you do

No cost. No obligation. We only get paid when you do. Public Loss Adjusters, LLC · Lic. #A161638 · (352) 353-4556

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Hurricane claim? 📞 Call (352) 353-4556