Free tool · Florida
Florida Claim Deadline Calculator
Every date that can end a Florida property claim, calculated from your date of loss under §627.70132, §627.70131 and §95.11.
| Deadline | Date | Status |
|---|---|---|
| Report the claim to your insurer§627.70132 — 1 year from date of loss | Sep 8, 2027 | 365 days left |
| File any supplemental claim§627.70132 — 18 months from date of loss | Mar 8, 2028 | 547 days left |
| Last day to sue for breach of the policy§95.11 — 5 years from the breach (shown from date of loss as a floor) | Sep 8, 2031 | 1826 days left |
Deadlines are calculated from the statutes as written and do not account for policy-specific terms, tolling, or court holidays. Confirm any date within 30 days with a licensed Florida attorney or public adjuster.
The deadline contractors miss most
Most Florida claims are reported on time. Where money is lost is the supplement: hidden damage discovered during repairs that is invoiced to the homeowner instead of filed as a supplemental claim before the 18-month cutoff. If you are a restoration contractor or roofer, put the 18-month date on every job file. Our full explanation of the Florida timeline is in Florida's 1-year claim deadline.
Questions
- Does the 1-year clock start when I discover the damage?
- No. Under §627.70132 it runs from the date of loss — the day the damage occurred. For a hurricane, that is the date the storm hit, even if you found the leak months later.
- What counts as a supplemental claim?
- A claim for additional loss from the same peril that the insurer already adjusted — for example rotted decking found during a roof replacement. It must be reported within 18 months of the date of loss.
- What if the insurer misses the 60-day deadline?
- §627.70131 requires payment or a written denial within 60 days of notice unless factors beyond the insurer's control caused the delay. A documented miss supports a Department of Financial Services complaint and, if a payment is later owed, statutory interest.
- Can I still sue if I missed the 1-year notice deadline?
- The 5-year limitations period governs lawsuits, but it cannot revive a claim that was never reported inside the 1-year window — the claim is barred by statute. Talk to a Florida attorney immediately if you are near either date.
Close to a cutoff?
A complete, dated Xactimate® estimate is what keeps a claim or supplement inside its window. Get a free sample on a real claim within 12 hours.
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