The deadlines
- Initial claim: 1 year from date of loss
- Supplemental or reopened: 18 months from date of loss
Don't use all the time
Just because you have a year doesn't mean you should wait. Evidence degrades, carriers argue late notice prejudiced them, and memories fade. File as soon as reasonably possible.
The contract limitations period
Separate from notice, Florida's 5-year contract statute of limitations (Fla. Stat. 95.11) controls how long you have to sue on the policy.