How Long Does an Insurance Company Have to Settle a Hurricane Claim in Florida?

In Florida, insurance companies are required to settle hurricane claims promptly and fairly. They must respond to your claim within 14 days, and, to avoid a bad faith demand, they should make a claim determination within 90 days. Here are some other things to be aware of if you’ve experienced hurricane damage to your property. 

  • First, review your insurance policy – It’s best practice to regularly review your insurance policy to ensure you have adequate coverage. Before filing a claim, you should also read through your policy so you understand the type of coverage you have and any policy limits associated with hurricanes. If you have questions about understanding your policy, contact us at KK&P Law Firm. 
  • Give prompt notice of damage – If a hurricane damages your home, notify your insurance company as soon as possible. Fla. Stat. § 627.70132 generally stipulates that policyholders should notify their insurer within 1 year after the date of loss (for hurricane claims, this is the date the hurricane makes landfall), but again, review your policy to see if there are any other deadlines pertaining to your claim. 
  • Remain organized with your documentation – Don’t give your insurance company any reason to delay or deny your claim Keep thorough records of communication with your insurance company and maintain good evidence of your damage and the claims process. 

If you have questions about insurance claims in Florida or feel like you’re getting nowhere with your hurricane claim, get in touch with us at Kandell, Kandell & Petrie. A hurricane can destroy your home in an instant. Let us help ensure you receive the financial relief you deserve for your insurance claim in Florida.