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Advertising details →Your rights, and the clocks that run against you
Every deadline that matters in a residential claim — what your insurer must do and by when under § 627.70131, when your own notice window closes under § 627.70132, and the statutory rights you are owed under § 627.7142.
The claim process, start to finish
From the first phone call to the final payment: what happens, in what order, what has to be in writing, and where a claim most often goes wrong.
Warning signs — how a claim goes bad
Door-knocking, fee talk before paperwork, rebates for a roof inspection, a contract with no cancellation notice. Each red flag with the rule behind it.
Do you need a public adjuster?
What a public adjuster does and does not do, who pays them, the statutory fee caps in § 626.854, and how to tell a real one from a salesperson.
Common questions
Licensing, fees, timelines, unlicensed work, and what this site does and does not know about any business.
Storm knowledge base
Preparing, staying safe, and the first days of recovery — summaries of published guidance from FDEM, FEMA, the NWS and the CDC.
Who to call
The free state helpline, mediation, complaint routes, and how to verify any licence yourself.
A claim is a set of deadlines
Almost everything that goes wrong with a Florida property claim goes wrong on timing — notice given too late, an insurer's clock never started, an estimate never provided. Here are the two clocks that matter most, and where each one is written down.
| Notice of claim or reopened claim | 1 year from the date of loss — § 627.70132 |
| Supplemental claim | 18 months from the date of loss — § 627.70132 |
| Insurer must acknowledge your claim | 7 calendar days — § 627.70131 |
| Insurer must pay or deny | 60 days from notice of the claim — § 627.70131 |
This is information, not legal advice. Every guide here summarises a published rule and links it so you can read the original. Statutes change and every claim turns on its own facts — for advice about your claim, speak to a licensed professional or the state helpline on the resources page.