Experienced Public Adjusters · Florida property claims
Reviewing an Existing Milton or Helene Insurance Claim
Milton and Helene were 2024 storms. An existing claim requires review of the actual notices, payments and agreements; an old storm article does not authorize a new filing today.
Reviewed November 3, 2026. General information; the policy, loss date and applicable law control.
Historical storm notice: These 2024 storms are not new events. Do not rely on an old article or a former renewal extension as permission to file a new claim today. Existing claims require an individual review of the policy, loss date, notices, payments, correspondence and any settlement or release.
Separate the different deadlines
Claim reporting, supplemental notice, proof of loss, insurer responses and lawsuits are different requirements. Current section 627.70132 generally uses one year for initial or reopened notice and 18 months for supplemental notice, with separate loss-assessment provisions and military-deployment tolling. Which law governs an older loss must be checked; a consultation does not extend a deadline.
Florida’s general insurer response framework includes seven-day acknowledgment and a 60-day payment-or-denial period, with statutory scope, exceptions and tolling. See our current payment timeline guide.
Flood insurance is a separate review
NFIP flood policies have federal requirements. Historical policy-renewal grace periods should not be confused with proof-of-loss, appeal or lawsuit deadlines. Consult the insurer and the applicable FEMA notice for the particular policy and event. FEMA’s current flood claim guidance explains the claim process.
Bring the complete record
Include both wind and flood policies when applicable, all estimates, photographs, repair invoices, payment letters and the dates each notice was sent. We can review damage documentation and valuation issues; a Florida attorney should evaluate disputed coverage and legal timeliness.
Related: hurricane property claims.
Start with a clear next step.
Tell us where the property is, what happened and where the claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to ask whether we can help.
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(888) 881-8416
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Do not delay emergency assistance, reasonable mitigation or required notice while awaiting a consultation. Public adjusting representation requires a separate written agreement describing services and fees.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters, LLC: firm license W807213. We are not a law firm and do not guarantee coverage or a settlement result.