The check the insurer writes is almost never the full value of the damage
Every property loss — water, wind, fire, roof, mold, impact — has damage you can see and damage you cannot: what moved behind walls and under floors, the secondary damage that shows up weeks later, code-required upgrades, matching of undamaged materials, and the cost of living elsewhere while repairs happen. The insurer’s adjuster writes the scope, and that scope is routinely a fraction of what the policy actually covers. By the time most homeowners realize what was left out, the claim is already largely set. 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.
⏰ Already paid too little on a past property damage claim? Florida law may still give you a window.
If a Florida insurer closed or underpaid a property damage claim, Fla. Stat. 627.70132 generally gives you a running window to act — but the clock starts on 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. Figuring out 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 under Fla. Stat. 627.70132, not legal advice. Statutory windows can vary by claim and policy and run from the date of loss; your policy’s prompt-notice terms may be shorter — contact us to confirm specific deadlines.
Talk to us before you settle your property 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 are not fighting the insurance company alone.
Related: insurance claim denied · water damage claims · roof claims · talk to a licensed public adjuster
Renters can file a renters claim for damaged personal property, too.
If it would help to talk it through with someone local, see public adjusters in Central Florida.