The key deadlines
- Initial notice: 1 year from date of loss (Fla. Stat. 627.70132)
- Supplemental / reopened: 18 months from date of loss
- Contract suit: 5 years from breach (Fla. Stat. 95.11)
- Pre-suit notice: 10 business days before filing (Fla. Stat. 627.70152)
- Proof of loss: per policy, commonly 60 days from demand
Calendar discipline
The single most valuable thing a PA does on timing-sensitive claims is track these deadlines. DIY mistakes are most often deadline-related.