October 5, 2026
Florida hurricane claim deadline: how long you have to file and the 18-month rule
Florida has cut its hurricane claim deadlines twice in the last five years. What used to be a three-year window is now one year, and most homeowners have no idea the law changed.The deadlines matter more here than almost anywhere, because the damage that triggers the biggest claims in South Florida is frequently the damage nobody sees for months. Water that entered through a lifted shingle during a September storm does not announce itself. It shows up as a ceiling stain in February and as mold behind a wall in April, by which point the clock has been running for a long time.Here is how the deadlines actually work, where the traps are, and what to do now if you took storm damage this season.
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