A hurricane can cause extreme damage to most homes, and most homeowners will not know how to handle the claims process that follows. Luckily, our public adjuster services in Orlando are available to help make this process easier and to try to maximize claims. This is why understanding the time available for the submission of hurricane damage claims in Orlando, FL is important, as it helps you avoid expensive delays and stay ahead of state requirements.
To help you understand, in this blog, we answer the question, what are the time limits for Hurricane damage claims in Florida?
Understanding Time Limits for Hurricane Damage Claims
There are time limits for filing property damage claims resulting from hurricanes in Florida, known as the statute of limitations. In general, state regulations require that homeowners file an initial claim with the insurance company within three years from the date that the hurricane occurred, thereby making it essential not to miss such a deadline. It would cost you the chance to recover the full amount you need to restore your home. This deadline, therefore, applies to filing the new claim, homeowners should not delay even when they feel that the damage is slight.
However, Florida law also carries reopened and supplemental the former allows homeowners to file additional claims for damage found after the original claim has been filed, and the latter must be filed, like the reopened, within three years of the hurricane. Insurers normally require further documentation to establish that the new damages are causally connected to the storm event.
Why Do You Need a Public Adjuster for Your Hurricane Claim?
A hurricane damage claim is mostly a complicated affair, and the insurers are looking at everything with a tooth comb. A public adjuster advocates on behalf of a homeowner and urges them toward the best possible claim payout. A seasoned public insurance adjuster in Orlando might be able to document all forms of damages, whether it is structural, water damage, or even those that are concealed and cannot be seen.
Common Pitfalls and Proactive Steps
Avoid Filing Delays
Filing delays can occur when homeowners procrastinate in gathering all their necessary documentation. Perhaps they feel their damage is not that extensive, but waiting can cause problems, particularly if damage escalates after the floodwaters recede. Waiting will not delay payments for those who file within the first three years after the flood, even if not all supporting documentation is ready.
Inspections by Trustworthy Experts are Highly Important
Florida Statute allows the homeowner to hire an expert of his own choice to inspect damage. Public adjusters often hire engineers, contractors, and other professionals to report evidence in more detail. This helps to reveal damages that the insurer may challenge. So an independent, reliable report can be of great value to the claim.
Know your policy limits and exclusions
Every homeowner’s insurance policy is different. Some policies exclude mold or flood damage or have caps on certain types of repairs. A public adjuster can explain all these details and help you determine what is covered under your specific policy.
The Final Word
If homeowners experience hurricane damage in Orlando against their property, they should act fast and take advantage of using the public adjuster services in Orlando. Knowledge of Florida’s time limitation and getting expert help will ensure that one will have a less clumsy time while processing claims and keeping long-term values intact. To learn more, partner with Global Public Adjusters, Inc, contact us at +1 407-900-5025.
