Florida Time Limit for Natural Disaster Damage Claims

Florida Time Limit for Natural Disaster Damage Claims


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natural disaster damageHas a hurricane or tropical storm damaged your property? We know the last thing you want to worry about if that’s the case. It is making sure the claim is filed before the time limit for natural disaster damage claims is up. Contacting an experienced property insurance adjuster, like Aftermath Adjusters & Consulting, will help. We understand the complicated insurance claims process in Florida.

Natural Disaster Damage Claim Time Limit

You should understand the statute of limitations for property damage claims if your property has suffered damage due to a:

  • Hurricane
  • Tornado
  • Flood
  • Other natural disaster

The typical time limit for s natural disaster damage claim is five years. This is supposed to give you enough time for the repairs or to replace the damaged or destroyed property. You should also note that Florida legislation has reduced the statute of limitations for windstorm and hurricane property damage claims against insurance companies from five years to three years.

It would be a good idea to keep in mind that you can file a claim against your insurance provider if:

  • You feel the company is taking too long to resolve a claim
  • The value of damages is disputed
  • Your claim was denied.

Common Property Damage Claims in Florida

Some of the most common types of natural disaster damage covered by insurance companies in Florida are hurricane damage, water damage, and sinkhole damage.

These all bring their own problems and sets of damage to your property. Sinkholes can cause structural damage to a property. Water damage can happen because of flooding, hurricanes, or backed up sewage. Unfortunately, this often leads to mold.

Like water damage, hurricane damage often leads to other types of damage, like:

  • Windstorm damage
  • Flood damage
  • Water damage
  • Mold damage

The insurance policies offered in Florida for residential and commercial properties normally cover an array of natural disaster damage claims. However, every policy is different. It can be difficult for an average policyholder to understand the difference between water damage and flood damage. This is critical since water damage is usually covered by homeowners insurance and flood damage is not. That is why you need to speak with an experienced and trusted public adjuster.

Public Adjusters Can Help

A majority of insurance companies will, unfortunately, try to say that the property damage amount claimed is more than what you are actually entitled to. That is where Aftermath Adjusters can come to your rescue.

We will help you through the entire claims process. We will tell you what to say to the insurance company. Our company inspectors will come out to evaluate the damage, whether it is a leaky roof or mold. No matter what the cause, we can handle the property damage insurance claim.

As Florida public adjusters, we will fight for you to receive a fair settlement that covers your property damage and do so within the Florida time limit for natural disaster damage claims. Give us a call if you are in the middle of the claims process and need professional help.

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