Short answer: Under Fla. Stat. 627.70132, you have 1 year from the date of loss to report a new or reopened property claim and 18 months to file a supplemental claim. Enter your date of loss below to see both dates and how many days remain.
Report a new or reopened claim
1 year from the date of loss · Fla. Stat. 627.70132
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File a supplemental claim
18 months from the date of loss · Fla. Stat. 627.70132
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Deadlines are set by Fla. Stat. 627.70132 and run from the date of loss; the date you first reported the loss controls, so document it. Separately, under Fla. Stat. 627.70131 the insurer must acknowledge your claim within 7 days and pay or deny within 60 days. This tool is general information, not legal advice: report promptly and confirm your specific dates with a licensed adjuster or attorney.
Why the date of loss matters so much
Florida’s notice deadlines under Fla. Stat. 627.70132 are hard stops: file late and the carrier can deny the claim on timeliness alone, regardless of how valid the damage is. Because the clock runs from the date of loss, and the date you first reported the loss is what controls, documenting that first notice in writing is one of the most important things you can do.
These deadlines are yours. The carrier has its own clock under Fla. Stat. 627.70131: acknowledge in 7 days, pay or deny in 60. This tool is general information, not legal advice; confirm your specific dates with a licensed adjuster or attorney and report as early as possible.
Frequently asked questions
How long do I have to file a property insurance claim in Florida?+
Under Fla. Stat. 627.70132, you must report a new or reopened claim within 1 year of the date of loss and a supplemental claim within 18 months. These windows are shorter than the pre-2022 deadlines, so many homeowners are operating on outdated assumptions. The date you first reported the loss controls, so document it.
What is the difference between the 1-year and 18-month deadline?+
The 1-year deadline is to report a new or reopened claim. The 18-month deadline is to file a supplemental claim, an additional demand on a claim you already reported, for scope the initial settlement missed. Both run from the date of loss, not from the date of your first payment.
How fast does my insurer have to respond?+
Under Fla. Stat. 627.70131, the insurer must acknowledge your claim within 7 days and pay or deny it within 60 days of notice, with statutory interest accruing on a late payment. Those are the carrier's deadlines; the deadlines in this calculator are yours.
