Principal Adjuster/CEO
When hurricanes strike Florida, the damage can be devastating, and navigating your insurance claim can be just as overwhelming. At Your Claim Hero, we fight to make sure homeowners get every dollar they deserve. This guide walks you through what to do before, during, and after a hurricane claim so that you can recover faster and with less stress.
Insurance companies often use a lack of evidence as a reason to underpay or deny claims. Here’s a quick checklist:
Tips: An experienced Florida public adjuster can challenge these tactics and present more substantial evidence.
Florida law generally gives you 1 year to file a new hurricane claim and 18 months to file supplemental claims after landfall. Act fast; delays can cost you your payout.
Florida law gives homeowners 1 year from the date of the hurricane to file an initial insurance claim for property damage. You also have 18 months from the date of landfall to file a supplemental or reopened claim for additional damages discovered later. It’s important to start the process early to avoid missing any deadlines and to protect your rights under your policy.
Yes, you can reopen a closed hurricane claim in Florida if you discover additional damage or believe you were underpaid. As long as you are still within the 18-month supplemental claim window, you can submit a reopened or supplemental claim with new evidence, estimates, or documentation. A public adjuster can help present the additional damages to the insurance company to pursue a higher payout.
Call Your Claim Hero at (833) 724-HERO (4376) or Request Your Free Claim Review now.
