Clients often ask how long it will take for an insurer to pay. A Florida property damage claim proceeds under state law timelines that require prompt acknowledgment and a swift decision. The attorneys at Kuhn Raslavich, P.A. will closely monitor the clock and press the carrier to meet each deadline. We won’t let delays jeopardize your fair compensation.
Florida Property Deadlines That Control Claims
Florida law sets strict timelines for insurers handling property claims. Each stage – from acknowledging the loss to final payment – comes with defined limits that protect homeowners from unnecessary delay. Insurers must acknowledge any claim communication within seven days and begin a reasonable investigation once they receive the proof of loss. If an inspection is necessary, the adjuster must identify themselves and complete the inspection within a set period.
Once notice of loss is received, the clock continues to run. Within 60 days, the insurer must pay or deny the claim, or at least pay the undisputed portion of it. That deadline can be extended only due to factors beyond the insurer’s control. When carriers fail to act promptly, they may be liable for paying interest on late payments. Our attorneys will track every benchmark from the day the claim begins, ensuring that insurers respect the legal time frames governing your file.
Florida also limits how long property owners have to report losses. Most initial claims must be filed within one year of the date of loss, while supplemental claims must be reported within 18 months of the loss date. For hurricane or storm-related losses, the statute uses the event date to determine those deadlines. The lawyers at Kuhn Raslavich, P.A. will closely monitor these thresholds to ensure that no valid claim expires due to oversight.
What the Typical Timeline Should Look Like
A normal claim should move from acknowledgment to inspection in just days, not weeks. After the inspection, the insurer gathers estimates and determines whether to make a payment or deny the claim. By rule, you should receive the carrier’s detailed estimate within seven days after it is created.
When disagreements arise over coverage or valuation, Florida offers a mediation program to resolve disputes before appraisal or litigation. We will recommend mediation whenever it can shorten the path to payment and preserve your rights.
Homeowners can help their case by staying organized. Saving emails, letters, and text messages proves when the carrier met – or missed – each statutory deadline. That record can be critical when calculating interest or showing unfair delay. Our lawyer will review your claim timeline and use those records to hold insurers accountable under state law.
How Delays Happen
Delays sometimes occur when adjusters rotate, inspections are repeated, or paperwork is misplaced. Still, as stated earlier, Florida law views the failure to pay undisputed amounts within 60 days after notice and agreement on coverage as an unfair practice, unless circumstances outside the carrier’s control apply. We treat each missed deadline as a signal to escalate the issue.
Our attorneys will demand undisputed payments promptly and pursue statutory interest when appropriate. By tracking every date – from acknowledgment to final decision – we keep pressure on the insurer to meet its obligations. Kuhn Raslavich, P.A. works to ensure that your Florida property damage claim progresses on time, receives fair consideration, and ends with the compensation the law requires.
Kuhn Raslavich, P.A. Can Speed Your Florida Property Damage Claim
We will set a calendar from the first notice, confirm proof-of-loss dates, and request statutory documents on schedule. Our attorney team will enforce the seven-day acknowledgment, the estimate-sharing rule, and the 60-day decision window to ensure that your Florida property damage claim reaches a fair result as quickly as possible. Use our online contact form or call 877-352-7767 for a free case review.
FREQUENTLY ASKED QUESTIONS (FAQ):
How long does an insurer have to acknowledge a claim in Florida?
Insurers must acknowledge an initial claim communication within seven days.
What is the deadline for an insurer to pay or deny a property damage claim in Florida?
The insurer must pay or deny the claim, or at least pay the undisputed portion, within 60 days of receiving notice of loss. This deadline can only be extended by factors beyond the insurer’s control.
How long do Florida property owners have to file a loss claim?
Most initial claims must be filed within one year of the date of loss, while supplemental claims must be reported within 18 months of the loss date.