Why a Claims Tracker Matters
A Florida hurricane insurance claim can span dozens of interactions over months or years — inspections, supplements, document requests, mediation, appraisal, and more. Without a structured record, homeowners lose track of deadlines, miss documentation requirements, and accept settlements they don't realize are negotiable.
The ClaimRestored Recovery Tracker gives you a structured view of every milestone, every deadline, and every open action item in your claim — from first notice of loss to final payment.
Key Claim Milestones
Day 1 — Notice of Loss
File your claim with your carrier as soon as safely possible after the storm. Document the date, claim number, adjuster name, and every communication from this point forward.
Days 7–14 — Initial Inspection
Florida law requires carriers to inspect within a reasonable time. Be present during inspection. Document every item the adjuster examines — and everything they don't.
Days 14–30 — Initial Estimate
Under Florida Statute §627.70131, carriers must provide a written determination within 90 days of receiving a properly executed proof of loss. Track this deadline.
Days 30–60 — Supplement Filing
If the initial estimate misses items, file a supplement with supporting documentation. Photos, contractor estimates, and material lists strengthen your position.
Days 60–120 — CRN Window
If your carrier is acting in bad faith, a Civil Remedy Notice under FL §624.155 gives them 60 days to cure the violation before you can file a bad-faith lawsuit.
Days 120+ — Appraisal / Mediation
Florida policies typically include an appraisal clause. If you and your carrier disagree on value, each side appoints an appraiser. This process often recovers significantly more than negotiation alone.
Critical Florida Claim Deadlines
| Deadline | What It Covers | Source |
|---|---|---|
| 2 years from date of loss | Statute of limitations for property insurance claims (per HB 837, effective 2023) | FL Stat. §95.11 |
| 90 days | Carrier must pay or deny after receiving properly executed proof of loss | FL Stat. §627.70131 |
| 60 days | Carrier's cure period after receiving Civil Remedy Notice (CRN) | FL Stat. §624.155 |
| 14 days | Carrier must acknowledge claim receipt | FL Admin Code 69J |
| 30 days | Carrier must begin investigation after receiving notice | FL Admin Code 69J |
What to Document (Checklist)
- Date and time of loss, FEMA disaster declaration number (if applicable)
- All communications with your carrier — date, time, name, topic, outcome
- Carrier claim number and adjuster name/contact information
- Photos and video of all damage — exterior, interior, personal property
- Pre-storm property documentation (photos, video, receipts)
- All written estimates from contractors and independent appraisers
- Your complete policy, including all endorsements and the declarations page
- All carrier payments received, by date and amount
- Any letters or emails from your carrier denying or limiting coverage
- Names, license numbers, and contact info for any public adjuster or attorney engaged
ClaimRestored's document intelligence agents automatically extract and organize claim data from your policy, inspection reports, and contractor estimates — saving hours of manual work and ensuring nothing is missed.
FEMA and SBA: Don't Skip Federal Aid
Many Florida homeowners focus exclusively on their insurance claim and overlook federal disaster assistance. If your property is in a FEMA-declared disaster area, you may be eligible for:
- FEMA Individual Assistance — grants for temporary housing, home repair, and other disaster-related expenses. Does not require repayment.
- SBA Disaster Loans — low-interest loans for homeowners, renters, and businesses. Interest rates as low as 1.75% for homeowners.
ClaimRestored's AI pipeline screens every claim for FEMA and SBA eligibility automatically.