Florida Hurricane Claim Research & Guides
Data-backed guides, case studies, and carrier intelligence for Florida homeowners fighting back.
Florida Claim Deadlines: the 2-Year Rule Almost Everyone Gets Wrong
One year to report, 18 months to supplement, five years to sue. Two clocks, different statutes — and the one people quote is the wrong one.
ExplainerWhat a Civil Remedy Notice Is, and What 60,620 of Them Say
The filing Florida law requires before you can sue an insurer for bad faith — what it must contain, the 60-day cure period, and what the public record shows.
Carrier IntelligenceTypTap Insurance: Civil Remedy Notice Pattern
TypTap’s Civil Remedy Notice record — filing volume, timing, and the allegations most often cited.
Carrier IntelligenceCitizens Property Insurance: Florida's Insurer of Last Resort — and Your Claim Rights
~395,000 FL policies. Government-backed with assessment authority. What Citizens policyholders need to know about claim disputes.
DataFlorida Claim Dispute Data: 60,620 Civil Remedy Notices, 2022–2026
The full aggregate picture — which carriers are named, what policyholders allege, and which statutes get cited. Free to cite.
Carrier IntelligenceHomeowners Choice: Civil Remedy Notice Pattern
Homeowners Choice CRN volume by year and the dispute reasons behind the filings.
Storm GuideHurricane Milton 2024: What Florida Homeowners Need to Know About Their Claims
FEMA DR-4834-FL. 130 counties impacted. Thousands of claims still unresolved. Your complete guide to Milton claim recovery.
Carrier IntelligenceSecurity First: Civil Remedy Notice Pattern
How many Civil Remedy Notices name Security First, when they were filed, and what they allege.
ToolFlorida Storm Recovery Tracker: Know Where You Stand
Track every milestone in your hurricane insurance claim — from first notice to final settlement — with our free recovery tracker.
Carrier IntelligenceASI Preferred: Civil Remedy Notice Pattern
ASI Preferred’s filing history and the allegations that show up most often in the DFS record.
PreparednessHurricane Season Preparedness: Document Your Home Before the Storm
The single most valuable thing you can do before hurricane season is document your property. Here's how — and why it matters for your insurance claim.
Carrier IntelligenceSlide Insurance: Civil Remedy Notice Pattern
Slide grew fast in Florida. Here is what the Civil Remedy Notice record shows about its claim disputes.
Claims IntelligenceThe Claims Journey: How Carriers Delay, Deny, Defend
Interactive data visualization of the three paths homeowners take — and how the numbers compare. Built on 60,620 FL DFS CRN records.
Storm GuideHurricane Helene (2024): Florida Panhandle Claim Guide
Helene impacted multiple Florida counties in late 2024. If you received a settlement, AI benchmarking may identify what was missed.
Carrier IntelligenceHeritage Property & Casualty: Civil Remedy Notice Pattern
Year-over-year filing volume and the dispute reasons policyholders cited most against Heritage.
Storm GuideHurricane Ian: Two Years Later — Claims Still Open, Money Still Left on the Table
Ian made landfall September 28, 2022. Many FL homeowners still have unresolved claims or accepted settlements that left significant money behind.
Carrier IntelligenceFirst Protective: Civil Remedy Notice Pattern
First Protective’s CRN filing history, the allegations behind it, and where it sits among Florida carriers.
Carrier IntelligenceUniversal Property & Casualty: When the Offer Was 58x Below Recovery
The founder's own Milton claim. $23,266 offered (Dec 2024). $892,465 independent appraisal. $1,352,367.13 recovered to date.
Carrier IntelligenceAmerican Integrity: Civil Remedy Notice Pattern
What Florida policyholders formally alleged against American Integrity, by year and by reason.
Carrier IntelligenceState Farm Florida: Civil Remedy Notice Pattern
Filing volume by year, the reasons most often cited, and how State Farm Florida ranks among Florida carriers.
New Florida carrier data, when we publish it
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