Questions & answers · Home insurance
How long do I have to report a homeowners claim in Florida, for example after a hurricane?
Home insuranceDeadlinesFloridaChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: Florida Statutes · § 627.70132(2)-(3) «Notice of property insurance claim» View original ↗
In short
- In Florida, you must give notice within 1 year after the loss.
- A supplemental claim gets 18 months.
- For a storm, the loss date is the day it hit land or was confirmed.
What this means
Florida's statute says a property insurance claim or reopened claim is barred unless notice was given to the insurer under the policy terms within 1 year after the date of loss. A supplemental claim must be noticed within 18 months after the date of loss [1].
For hurricanes, tornadoes, windstorms, severe rain or other weather-related events, the date of loss is the date the hurricane made landfall, or the date the weather event is verified by the National Oceanic and Atmospheric Administration [1].
Your next step
+ deadline (Florida): give notice under your policy terms within 1 year after the date of loss (18 months for a supplemental claim) [1].
Where this comes from (1)
[1] Florida Statutes · § 627.70132(2)-(3) «Notice of property insurance claim» · checked 2026-11-05
A claim or reopened claim, but not a supplemental claim … is barred unless notice of the claim was given to the insurer in accordance with the terms of the policy within 1 year after the date of loss. A supplemental claim is barred unless notice of the supplemental claim was given to the insurer in accordance with the terms of the policy within 18 months after the date of loss. … For claims resulting from hurricanes,…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
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