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 7–30 — Investigation & Inspection
Under §627.70131(3), the carrier must begin investigating within 7 days of your proof-of-loss statements and complete any physical inspection within 30 days. Be present. Document every item the adjuster examines — and everything they don't.
Day 60 — Pay or Deny
Under §627.70131(7)(a), the carrier must pay or deny your claim within 60 days after receiving notice of the claim — not 60 days after proof of loss. Limited exceptions apply for factors beyond the insurer's control. Track this date from the day you reported.
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 |
|---|---|---|
| 1 year from date of loss | Notice of a new or reopened claim (policies issued or renewed after 16 Dec 2022; earlier policies get 2 years) | FL Stat. §627.70132 |
| 18 months from date of loss | Notice of a supplemental claim (earlier policies get 3 years) | FL Stat. §627.70132 |
| 5 years from date of loss | Deadline to sue for breach of a property insurance contract | FL Stat. §95.11(2)(e) |
| 60 days | Carrier must pay or deny after receiving notice of the claim | FL Stat. §627.70131(7)(a) |
| 60 days | Carrier's cure period after receiving Civil Remedy Notice (CRN) | FL Stat. §624.155 |
| 7 days | Carrier must review and acknowledge a claim communication | FL Stat. §627.70131(1)(a) |
| 7 days | Carrier must begin investigating after proof-of-loss statements | FL Stat. §627.70131(3)(a) |
| 30 days | Carrier must complete any physical inspection | FL Stat. §627.70131(3)(b) |
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.