How much time does a Homeowner have to report a loss?

Welcome to our property damage resource page, where we understand that dealing with the aftermath of a disaster can be overwhelming. It’s natural that when your home suffers damage from an unexpected event, the last thing on your mind might be reporting it to your insurance company. However, it’s crucial for Florida homeowners to be aware of the recent changes to Florida Statute 627.70132. Its last amendment significantly reduced the window of time within which you can report a claim. Under this updated statute, homeowners now have just one year from the date of the loss to report it to their insurance company. If you find yourself in a situation where you believe you might qualify to open a claim, there are essential steps to take.

1. First and foremost, promptly report the loss to your carrier, is vital,
2. Document the damage extensively – photographs, videos, and written descriptions can be invaluable.
3. It’s also crucial to protect your property from further damage, as this responsibility often falls on the homeowner.
4. Keep accurate record of repairs and expenses regarding the loss, and
5. We highly recommend seeking legal assistance during this process as these are just some of the standard obligations under your policy. Navigating insurance claims can be complex, and having legal support ensures you understand your rights and get the compensation you deserve. Don’t hesitate to reach out for help; we’re here to guide you through every step of the way.

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