When Is It Too Late to Hire a Public Adjuster in Florida?
It is too late when the statutory clock runs out. Florida Statute 627.70132 bars hurricane claims unless the insurer receives notice within 1 year of the date of loss. Supplemental claims get 18 months. After that, the right is gone regardless of the damage.
It Is Not Too Late If
- Your claim was denied: denials can be challenged and reopened within the window.
- Your claim was underpaid: supplemental claims recover the difference.
- You already cashed a check: cashing a payment does not waive the right to seek more.
- Months have passed: damage documentation can still be built.
When to Act Now
Every week of delay risks evidence loss and gives the carrier’s version of events more weight. If your claim is open, denied, or paid short, get a review before the deadline. Free claim review: call 800.511.2240.