After a storm, plumbing leak, or other unexpected loss, confusion and delay can cost Florida homeowners thousands of dollars. In this video, attorney Ben Raslavich explains the critical deadlines for Florida property damage claims and why acting quickly can be the difference between full compensation and a denied claim. If your home has been damaged, understanding these deadlines is not optional—it’s essential to protecting your rights.
Under Florida law, homeowners generally have one year from the date of loss to file a property damage insurance claim. However, this statutory deadline often creates a false sense of security. Most homeowners insurance policies contain a separate requirement that damage be reported “promptly,” meaning as soon as practical. Waiting too long—even if you believe you’re within the one-year window—can allow insurance companies to argue that your claim should be reduced or denied.
Insurance carriers carefully analyze when damage was discovered and when it was reported. If they believe a delay prevented them from properly investigating the loss, they may use that delay as justification to avoid paying. This is one of the most common and costly mistakes Florida homeowners make after storm damage, water intrusion, roof leaks, or pipe bursts.
That’s why immediate action is critical. As soon as damage is discovered, homeowners should document everything with photos and videos, notify their insurance company right away, and keep detailed records of all communications. Just as important, they must understand both Florida insurance law and the specific obligations outlined in their policy. The fine print matters—and insurers know it.
At Kuhn Raslavich, P.A., we represent Florida property owners in insurance disputes involving hurricane damage, water damage, fire loss, roof claims, and more. We help homeowners meet critical deadlines and fight back when insurance companies delay, underpay, or deny valid claims.
If you’re unsure about your property damage claim deadline, facing delays, or dealing with a denial, don’t wait. Contact Kuhn Raslavich, P.A. today for a policy and claim review. Timing matters—and getting experienced legal help now can protect your home, your investment, and your financial future.