By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: You generally have 1 year from the date of loss to file an initial property claim in Florida, and 18 months for a supplemental or reopened claim. Don't use all the time: evidence degrades and carriers argue late notice prejudiced them. A separate 5-year statute controls how long you have to sue.
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.