Updated November 2, 2026. General claim information and public-adjuster commentary. Policy dates, loss facts and later legal developments can change the answer. A Florida attorney should advise on legal rights, deadlines and litigation.
The original article concerned a 2020 legislative debate. Its references to proposed two- and three-year deadlines should not be used to calculate notice for a current property claim.
Current general notice periods
Section 627.70132 generally requires notice of an initial or reopened property claim within one year after the loss and a supplemental claim within eighteen months. The statute includes specific provisions for certain military deployments and condominium loss-assessment claims. These outer notice periods do not remove policy duties to report promptly.
A claim-reporting deadline is different from a proof-of-loss deadline, appraisal requirement or deadline to file a lawsuit. Policy dates, the loss and applicable law may change the analysis. Seek timely advice; do not assume an old article gives you extra time.
Read our current reform guide and homeowner claims-rights overview.
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.