Hurricane Ian made landfall in Florida on September 28, 2022, causing catastrophic damage across the state. Years later, many policyholders are still battling denied, delayed, or grossly underpaid claims. Here's what you need to know.
Initial hurricane property damage notice must be filed within one year of the date of loss under Fla. Stat. § 627.70132. Reopened or supplemental claims must be filed within 18 months. The deadline to file suit on a denied claim has its own statute of limitations — talk to an attorney now.
Standard homeowners policies cover wind damage but exclude flood — flood requires separate NFIP or private flood insurance. Insurers often try to attribute damage to flood to avoid paying. Independent forensic experts can establish the true cause.
If your home is uninhabitable, your policy almost certainly includes Additional Living Expense coverage for hotel, rental, food, and related costs above your normal expenses. Many policyholders never claim what they're owed.
Several Florida-domiciled insurers went into receivership after Ian. The Florida Insurance Guaranty Association (FIGA) may now handle your claim — with its own rules and limits. Specialized counsel matters.
The Farber Law Firm offers free reviews of denied or underpaid Hurricane Ian claims. Call 8888-FARBER.
Free, confidential consultation. Call 8888-FARBER or request a callback.
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