Florida property claim representation
Hurricane Irma is a historical claim—not an open filing invitation.
Irma affected Florida in September 2017. An old article saying you still have time to file a new Irma claim is not reliable guidance today. Existing disputes require review of the actual policy, notices, payments and legal history.
Reviewed November 2, 2026. Coverage and available remedies depend on your policy, loss facts and applicable law.
Why older articles mentioned three years
The 2017 version of section 627.70132 imposed a three-year notice limit for specified windstorm and hurricane claims, including supplemental and reopened claims, measured as the statute described. The National Hurricane Center’s September 10, 2017 advisory records Irma’s Florida landfall period.
That ordinary historical notice window has long since passed. This page does not encourage a new Irma filing or promise that an old claim can be reopened. Later amendments to Florida’s claim-notice law do not automatically revive an expired claim.
An existing claim is a different question
A claim reported years ago may have its own history of adjustment, supplemental notices, appraisal, litigation, settlement or releases. The notice limitation and the deadline for a civil action are separate questions. Whether any unresolved rights remain cannot be determined from the storm name alone.
If you have an active or unresolved Irma dispute, ask a Florida insurance attorney to review the policy, original notice, subsequent submissions, insurer decisions and any settlement or court documents. A public adjuster cannot determine the legal viability of an expired or contested claim.
Documents to gather for a historical review
- The policy and endorsements in effect for the 2017 loss.
- The original claim acknowledgment and evidence of the notice date.
- All estimates, photographs, inspection reports and repair invoices.
- Supplemental submissions and proof of when the insurer received them.
- Payment letters, checks, coverage decisions and any release.
- Appraisal, mediation or court records, if applicable.
Keep newer storm damage separate from the Irma file. Do not relabel old damage as a later loss or assume that a new inspection creates a new covered occurrence.
For a recent hurricane loss
Report the loss promptly and review the policy and law applicable to that event. Current claim requirements differ from the rules discussed in older Irma articles. Start with our Florida hurricane insurance claim guide, first steps after hurricane damage and Florida insurance law changes.
Experienced Public Adjusters helps Florida property owners document damage and present supported claims. If you call about an old claim, tell us the loss date and whether it was already reported so the discussion begins with the right context.
Concerned about a claim payment?
Experienced Public Adjusters helps Florida property owners document damage and present supported claims, with a focus on luxury homes, complex residential losses, condominium and HOA master policies, and commercial property.
Call (888) 881-8416 Request a claim review
Serving Naples, Tampa, Orlando, Daytona Beach and surrounding communities. Find our offices and service areas.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation is subject to a written agreement; no settlement outcome is guaranteed.