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How Long Can You Wait Before Filing a Hurricane Insurance Claim in Florida?


Severely damaged by hurricane Ian house and vehicle in Florida mobile home residential area. Consequences of natural disaster.

In the state of Florida, you have up to three years from when the storm first happened to file for a hurricane insurance claim. If you delay this opportunity, you may bypass the whole package. The expiry period to file your hurricane insurance claim varies depending on several factors. This is why you must seek legal guidance from a professional and experienced homeowners insurance attorney.

Damage Caused by Hurricanes

The damages on your property resulting from the effects of a hurricane may generate from wind, floodwaters, and wind-driven rain that may have penetrated your home via the roof, doors, windows, cracks, sewer backup, and any opening in your home.

Most insurance companies categorize hurricane damages separately from another defacement your home faces. For instance, in some policies, high deductibles refer to damages left in the wake of a hurricane. For the best coverage on hurricane damage, one should invest separately in flood insurance and windstorm coverage.

Are you unsure of what your policy entails? Call us now for the best homeowners insurance attorneys. We have seasoned and experienced homeowners insurance attorneys ready to spell out your rights, legal options, and insurance policy. Some insurers leave a loophole in their contract so that they can deny or pay less of your compensation in the future. However, with an attorney from Schrier’s Law Group, you can rest assured that you will get your full compensation.

Preparing Your Claim 

You must keep all records and receipts if you suffered a significant loss or damage from a hurricane and want to file a lawsuit.

1. Take Pictures

Having a picture or video proof has always been useful, especially if there are before and after photos. If there are major repairs on your property, it is advisable you wait for the insurance adjuster to visit your property before implementing these repairs. 

2. Make a List of Damaged Items

Make a list of all your damaged items. Here, you can use a spreadsheet that shows the description, serial number, manufacturer’s name, and where and when you bought each item.

3. Inform Your Insurer if You’ll be Evacuating the Premises

Suppose you feel your home is not safe enough after the damages from a hurricane and want to evacuate that property for the time being. In that case, you must inform your insurer of the current situation. Some policies cover such cases and provide Additional Living Expenses (ALE) during this time.

What to Expect from Your Insurer 

As a policyholder with good standing in a reputable insurance company, you have every right to make repairs or rebuild your property and get compensated for the damages the effect of a hurricane may pose to your property within your home. You also have rights based on the Homeowners’ Claims Bill of Rights to take action against your insurer’s response to your claims. These rights include

  • The right to discern that they got your claims within the first 14 days of the incident.
  • The right to discern that your compensation is part of fully paid has been rejected or is investigated within the first 30 days.
  • The right to discern that they are done appraising your claim and will be taking action – sending part or full settlement or rejecting your claims within the first 90 days.

All filled claims are comprised of a maximum amount receivable and a deductible amount to be subtracted to arrive at the total compensation you receive.

Statute of Limitations for Bad Faith Lawsuits in Florida

As mentioned earlier, the state of Florida gives you up to 3 years after the incident to file for a hurricane insurance claim. Unfortunately, even after signing and filing for compensation within this duration, the insurance company may still be stubborn and make the process tiring and difficult.

If your insurer uses schemes to save money, such as delaying your claims or denying them, you can sue them for bad faith. At Schrier’s Law Groups, our homeowners’ insurance attorneys will help you determine if your case is worthy of a bad faith lawsuit and, if so, will prepare the documents required for legal actions. It is noteworthy that you have up to 5 years to lodge a bad-faith lawsuit.

What Compensations Can I Recover from a From a Hurricane Insurance Claim in Florida

In filing your hurricane insurance claim in the state of Florida, you must know the compensation you receive is proportionate to the degree of damages incurred from the hurricane and the insurance you purchased. The insurance company may provide compensation for the following damages.

  • Wind damage
  • Water damage
  • Roof damage
  • Addition Living Expenses (ALE)
  • Vehicle damage
  • Damage to outbuildings within your property (such as shed or garage).

If you purchased a separate policy for flood insurance, you might be eligible for compensation for flooding and storm surged damages.

Call the Best Homeowners Insurance Attorney in Florida Today!

When you file a hurricane insurance claim in Florida, you should only expect the best outcome. You don’t want to suffer the trauma of losing twice to difficult insurance claims. It is in your best interest to take legal action and hold your insurance company accountable for your due compensation.

At Schrier’s Law Group, our team of homeowners insurance attorneys will manage every aspect of the process and ensure you get full compensation. We will collaborate with the insurance company to negotiate the fairest and best settlement for you and, if need be, represent you at trial. We will help you get full reparations! 

Read Our Reviews

Schrier Law Group is rated 5 out of 5.0 stars based on 22 review(s).


My name is David and I’ve been represented by mr. Schrier law firm twice in my life and I got nothing more then good things to say about them they are very professional and they really Take their clients I really recommend them every time I called them they were always there for me especially the attorney he’s very professional and he got me the money did I deserve by representing me and fighting for me I will use their services again them no questions asked if I ever need them to me they are the best God bless them all

David Cuello


The firm is super professional and handled my husbands vas amazingly. I should refer them to some in need of an attitude.

Isabel Sabrina De Ramirez


The Schrier Law Group are hands down the best and should be your go to for all your legal troubles. They are such professionals; efficient, persistent and don’t take no for an answer. Thank you so much Chatriece, Geissie, Paul & everyone at Schrier Law Group for your patience and making my win possible!

Marika Ford


Shrier Law Group extremely thorough. A really caring Law Firm. My previous lawyer sat on my case for 2 years did nothing with it by chance came across Mr Paul schreier firm and explaining my case he noticed I was not hopeful but he was able to encoirage me and was able to resolve my case within a year I'm so grateful for Mr Paul Schrier and Mrs Chatrice. They go above and beyond. 20⭐

West Jean


I must say that Mr. Schrier was there when we needed immediate advice after my wife got rear-ended by an unlicensed speeding lunatic. We called a handful of attorneys in our area, but after waiting 2- 5 days they would drop her case. We found Mr Schrier online and he explained the pros/cons and he took the case. We waited patiently, and in time he was able to tracked down the actual owners of the car and get their auto insurance info!

Gerard Avalos


The firm pays close attention to locating every possible insurer liable for my injuries. They return my calls in 24-48 hours. Friendly staff who care.

Mr K


Attention to detail with the different insurance coverages. Returned my phone calls, which is very important.

David Kuczenski


Mr. Paul Schrier is by far the best attorney for the job! He is very responsive, knowledgeable, and very efficient. Despite my very busy schedule, he kept me informed throughout the process. I am very please with the outcome of my case. The customer service I received from the entire team has been amazing! Thank you all so much!

Ms. Jean


Not only did I get a phenomenal attorney to represent me in my case, but I also got a step by step education on how the legal process actually worked. I was encouraged to ask questions and be an informed client. I was never treated like a case. I truly felt like the advice and recommendations he gave to me would have been the same he would have pursued if he were the client. That was important to me. I needed to work with an attorney I could trust with my best interest in mind...and that is what I got with Paul Schrier.

Juan Rodriquez


I was involved in an auto accident in January 2016. We decided to contact Paul K. Schrier, PLLC for legal advice. He never got annoyed with me calling to ask questions, which was quite often. We have finally reached the final stages of this case, which they handled very well, and have come to a settlement. I highly recommend the Florida personal injury attorneys at The Law Offices of Paul K. Schrier, PLLC, especially Paul K. Schrier to any one who needs a personal injury attorney. Thank you very much Paul for everything you have done do me.

Martin Tyler


I called to ask some question about a car accident I was in. I spoke to Paul who was very helpful, honest and professional. It seems that he really care about clients. I appreciate all that Paul did and would certainly recommend to anyone who needs an attorney.

Mark Anderson


Best attorney around , I went through a lot of different ones before finding his law firm very professional and they make sure you get paid what you deserve, highly recommend.

Braulio Duran


Thank Paul for everything your personal injury law firm has done for my case as well as my daughter. Thanks for all the hard work and attention. Thanks again!

Maria Jaz


This is one of the best law office in Miami come in and check them out great people

Rowdy Martinez


Best attorney in South Florida

Fefe Alex


Was a wonderful experience getting through a tough process!

Edward Pawley


Both my wife and I feel grateful for the treatment and the professionalism of the staff. Maritza is great doing her job. It is the second time that I request your services and we are pleased and grateful. Many blessings to this Law Firm

Reynier Perez


Awesome wonderful patient Intelligent thoughtful Paul is the best

Theresa Caprice Caprioli


Thank you so much for going above and beyond what I had ever anticipated. It was truly a pleasure to work with you all, especially Chatrice. I will most definitely refer The Schrier Law Group to my family and friends.

Cat Breen


The Schrier LG is an excellent firm! They accepted my case, provided me with all the procedural information, maintained a high level of professionalism while showing kindness and care. The doctor's office that they suggested is another group of kind and considerate individuals, dedicated to my full recovery. I would recommend the Schrier Group to friends, just as they were recommended to me. I am happy with my settlement and very pleased with the attention and diligence of the group as a whole. Thank you again!

Michaela Davis


Schrier Law Group is the best.

Chatrice Telfort


Great job! I loved working with Paul.