Experienced Public Adjusters · Florida property claims
Hurricane Milton Claims: Reviewing an Unresolved Loss
Hurricane Milton affected Florida in October 2024. This is guidance for reviewing an existing historical loss, not a current storm warning or a promise that a new claim remains timely.
Reviewed November 3, 2026. General information; the policy, dates and circumstances of your loss matter.
Use the final storm record
The National Hurricane Center’s final report documents Milton’s track and Florida landfall. Use it as historical weather evidence alongside the facts at the individual property. A regional storm report does not establish the cause or extent of every observed problem. Read the official Milton report.
Time limits require immediate attention
Current section 627.70132 generally provides one year for notice of a new or reopened property claim and 18 months for a supplemental claim, subject to its terms and applicable law. Those periods should not be assumed to remain open for a 2024 loss. Policy dates, prior notices, the nature of the request and other legal issues require review. A lawsuit deadline is a separate question. Read the current notice statute.
Obtain prompt legal advice about an old or disputed deadline. Contacting our firm does not extend it.
Gather the complete history
- The policy in force when the damage occurred.
- The original claim notice and later supplemental submissions.
- Insurer estimates, payments, denials and requests for information.
- Photographs, emergency work records, inspection reports and repair invoices.
- Any appraisal award, mediation agreement, release or court documents.
Separate wind, storm surge and other causes rather than assuming one policy covers them all. For luxury homes and connected finishes, document the materials and repair methods underlying any disputed estimate.
Understand the service agreement
Florida’s emergency-related public adjuster fee limit has timing conditions; it is not a blanket promise that every later hurricane engagement has the same fee. Other statutory restrictions can also apply. Review the actual written agreement and current law. Hiring an adjuster does not guarantee coverage or remove all risk. Read Florida’s public adjuster requirements.
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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.