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Is There A Statute Of Limitations In Florida For Insurance Claims?



Is There A Statute Of Limitations In Florida For Insurance Claims?


If you have been the victim of property damage to your home in Florida, there are a few terms to understand when dealing with property damage insurance claims. Sometimes words are used interchangeably, but may have very different meanings. Understanding the difference in property damage insurance claim lingo can help you make the best decisions when filing, re-opening, or even litigating a property damage insurance claim.


Initial claim: is the initial contact and claim filed by you to your insurance company after you suffer damage from a storm. The initial property damage insurance claim must be filed within 2 years of the date of loss*.


Supplemental claim: is an additional claim(s) filed with the original claim from damage discovered, but not included, in the initial claim. The supplemental claim must be filed within 3 years of the date of loss*.


*Date of loss is defined in Florida Statute as the day a hurricane, tornado, windstorm, or sever water event made landfall OR the date the significant weather-related event was verified by the National Oceanic & Atmospheric Administration.


Statute of limitations: is the limited window of opportunity to file a lawsuit against your insurance company. The statute of limitations to file a lawsuit against your insurance company over a property damage insurance claim is 5 years from the date of loss.


The decision to file a lawsuit against an insurance company has many determining factors. A property damage insurance claim attorney can help you understand your options and best outcomes.


Max Factor Law has over 25 years of experience in property damage claim & insurance law. We offer free consultations to review your case and assist you in deciding the next best steps in resolving your property damage insurance claim. Contact us today to schedule your free, no-obligation consultation with Max or Will at 850-577-1699.

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