Hail damage is the easiest claim for an insurer to wave off — and the easiest to lose
Hail is quiet. The damage often isn’t dramatic to an untrained eye, and that’s exactly what insurers count on — they inspect, call it cosmetic or pre-existing, and close the file. But bruised shingles, dented soft metals, and granule loss add up to a covered loss that shortens the life of your roof. How that damage is found and documented is what separates a denial from a paid claim, and most homeowners never see the difference. 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.
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WHAT DO YOU DO NOW?
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Dealing with your insurance company can be complicated, frustrating and confusing. Their experts will try to determine what is covered under your policy. They’ll pay what they think is right, but you may disagree. Even worse, they may try to get away with paying as little as possible.
⏰ Underpaid on a past hail damage claim? Florida law may still give you a window.
If a Florida insurer closed or underpaid a hail damage 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 hail damage 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 · roof insurance claim · talk to a licensed public adjuster
If the roof came off worse than the estimate says, the insurance side of this is a separate question from the repair: roof insurance claim help in Florida.
If it would help to talk it through with someone local, see public adjusters in Central Florida.