How to Report a Hurricane Insurance Claim in Florida
Reviewed November 3, 2026. General information; the policy, loss facts and applicable law control.
After hurricane damage, protect people first, document what you safely can and notify the appropriate insurer promptly. A free conversation with our team can help you prepare, but do not delay emergency assistance, reasonable mitigation or required notice while waiting for a consultation.
Prepare for the first claim conversation
Have your policy number, property address, the storm or loss date, the date you discovered damage and a factual description ready. Explain what you observed. If you do not know the cause, full extent of damage or repair cost, say so rather than guessing. Ask for the claim number, assigned contact and document-upload instructions.
When engaged, our public adjusters can join the reporting call with you and help present the documented facts. Use our verified insurer claims directory to find the correct reporting route.
Keep wind and flood evidence organized
Wind-driven damage and rising floodwater may involve different policies and investigations. Identify each insurer and notify each relevant carrier. Label photographs by room and date; retain repair proposals, mitigation invoices, contents inventories and correspondence. Follow safety and disposal directions, and record damaged items before removal when safe and practical.
For luxury homes, record custom cabinetry, stone, flooring, specialty systems and other affected finishes in enough detail for a supported repair scope. Keep any available pre-loss photographs, product records and renovation plans.
Do not rely on an old three-year reporting rule
Current section 627.70132 generally allows one year to give notice of a claim or reopened claim and 18 months for a supplemental claim. It includes specific military-deployment tolling and condominium loss-assessment provisions. Older losses, policy dates and separate flood programs require their own review. These notice limits do not remove prompt-notice obligations or extend lawsuit deadlines.
Official source: current Florida property claim notice statute.
Review the insurer’s response against the evidence
Keep each estimate and coverage letter. Compare the documented damage, quantities, materials and repair methods with the insurer’s scope. Ask for explanations of omitted items, deductibles and depreciation. If legal rights, a release or litigation deadlines are involved, consult a Florida insurance attorney.
Continue with our hurricane claim guide and Florida law-change overview. The NAIC post-disaster guide explains the general reporting and documentation process.
Discuss your next step with a public adjuster
Luxury homes and complex claims are our focus. All property owners are welcome to call for a free initial claim review. When engaged, we can help document the loss and communicate the supported claim to the insurer.
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Serving Naples, Tampa, Orlando, Daytona Beach and surrounding communities within approximately two hours of our five offices.
David Dwyer, designated primary adjuster: Florida license W391016. Firm license W807213. Representation and fees require a written agreement. We are not a law firm and do not promise a claim outcome.