When the clock starts
For hurricane damage, the date of loss is the date the hurricane made landfall. For other weather events, it is the date the National Oceanic and Atmospheric Administration (NOAA) verifies for the event.
What changed in 2022
Senate Bill 2-A, passed in a December 2022 special session, cut the deadline for new and reopened claims from 2 years to 1 year, and for supplemental claims from 3 years to 18 months.
You can’t sign your claim over to a roofer
The same law banned assignment of benefits for residential property policies issued on or after January 1, 2023. Any attempt to assign post-loss benefits under those policies is void. In plain terms, a contractor can’t take over your claim and deal with your insurer in your place. If someone asks you to sign an “assignment of benefits” or “direction to pay” for your roof, stop and read the paper carefully. (s. 627.7152(13), F.S.)
What to do after a storm
- Photograph and video every side of the roof you can safely see, plus ceiling stains and wet insulation inside.
- Stop further damage with a tarp and keep the receipts. Most policies expect you to protect the home.
- Report the claim to your insurer in writing and note the claim number.
- Get a written, itemized estimate from a licensed roofer. Look up any roofer’s license.
- Don’t let anyone offer to cover your deductible. That’s illegal in Florida. Read the solicitation law.
This article is general information, not legal advice. For a disputed claim, talk to a Florida-licensed attorney or public adjuster, or contact the Florida Department of Financial Services consumer helpline.
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Frequently asked questions
How long do I have to file a roof claim in Florida after a hurricane?
Notice of a new or reopened claim must be given within 1 year of the date of loss, which for a hurricane is the landfall date. Supplemental claims are due within 18 months.
Can a roofer file my insurance claim for me in Florida?
No. For residential policies issued on or after January 1, 2023, Florida law voids any assignment of post-loss benefits. Roofers also can’t interpret your policy or adjust your claim unless they hold a public adjuster license.