When disaster strikes Florida, roofs are often the first to go. You already have a lot going on as a property owner with much to keep track of. This means that important tasks can slip through the cracks, including insurance claim deadlines for roof coverage. What do you do when that happens? This guide highlights the consequences of missing a roof claim deadline and at what point it becomes too late to file.
Let us help you stay on top of your roof damage claim and get your life back! Altieri Insurance Consultants Fort Lauderdale is the partner property owners rely on for trusted public adjusters near you.
| What types of roof damage are common in Fort Lauderdale? Water, fire, hail, hurricane, wind, and tornado claims often include roof damage in Florida. |
30 Days, A Year, Two Years? The Average Deadline For Roof Claims In Florida
With the passing of legislation in recent years, Florida requires the following notice of claim from its policyholders under Florida Statute 627.70132. Notice of property insurance claim.
(Paraphrased) A claim or reopened claim, caused by any peril, is barred unless notice of claim was given to the insurer within one year after the date of loss. This time frame applies to roof claims throughout the state, including Ft. Lauderdale. A supplemental claim is barred if not filed within 18 months of the date of loss.
For hurricanes, tornadoes, windstorms, severe rain or other weather-related events the date of loss is the date the hurricane made landfall or is verified by the National Oceanic and Atmospheric Administration.
Regardless of these expanded deadlines for notice to your insurer, it is always best to report your claim immediately after the event, as soon as possible after the date of loss, to prevent your insurer from proclaiming they did not have the proper amount of time to investigate the loss. Late notice will jeopardize your claim being paid, so you will want to avoid any reporting delays whenever possible.
Read more > How Are Emergency Situations Handled After Major Property Damage?
Here are the typical deadlines for each type of roof damage claim:
- Initial roof damage claim – Up to one year
- Supplemental roof damage claim – Up to 18 months
Why Such Strict Deadlines?
It becomes more challenging to identify the cause and effect of roof damage the longer it sits unattended. This blur in damage details can result in further delays or even a denied claim.
What Happens When I Miss the Deadline For My Roof Claim In Florida?
Knowing when to file is the first step in closing a successful settlement. The second step is acting on that information. A good motivator is knowing what troubles await from a late roof damage claim submission:
Missing the deadline for a roof damage claim in Fort Lauderdale can result in an instant denial. These cases are often hard to dispute, seeing as how timeframes should be clearly stated in your policy.
Delaying a roof claim submission could lead to partial compensation, with the remainder of the expense of a roof repair or replacement being paid for out of pocket.
Waiting too long to file a roof damage claim in Fort Lauderdale can result in tampered evidence of the damage’s origins. When this happens, compensation is either undervalued or denied.
Learn more > Missed Deadlines: How They Can Sink Your Tampa Property Damage Claim
Expert Tips For Navigating Roof Insurance Claims:
- Contact a Public Adjuster as soon as possible to document and assess the damage
Learn more > How To Document Damage (Before The Adjuster Arrives)
- Review your insurance policy with a Public Adjuster to check for coverage exclusions and large deductibles to discuss whether it makes sense or not to submit an insurance claim.
- Hire a reputable public adjuster based in Fort Lauderdale to represent you through the insurance claim process and negotiation with your insurance company.
Receive What You Are Owed For Your Roof Claim When You Hire Altieri Insurance Consultants Fort Lauderdale!
When you need help filing a roof damage claim in Fort Lauderdale, Altieri Insurance Consultants Fort Lauderdale is the team of dependable public adjusters that local property owners love to count on. Call (813) 247-4757 today to schedule a consultation appointment.
