Florida · Storm claim denied: what can I do?
Storm claim denied: what can I do?
See If You Qualify
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| Filing deadline | 5 years from denial/underpayment (breach of contract)Fla. Stat. § 95.11(2)(b) |
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Deadlines vary with the facts of each case. A lawyer can confirm yours.
Updated
01 · Your filing deadline
What is the deadline in Florida?
Florida: 5 years from breach for breach of contract (Fla. Stat. § 95.11(2)(b)); bad faith requires filing a Civil Remedy Notice under Fla. Stat. § 624.155 before suing A lawyer can confirm yours.
Source: Fla. Stat. § 95.11(2)(b)
Deadlines vary; a lawyer can confirm yours. An older diagnosis or a past filing window does not, by itself, establish whether you have a claim.
02 · Where cases are heard
Where would my case be heard?
Florida is ground zero for the storm damage insurance crisis. Hurricanes Helene and Milton struck in 2024. Citizens Property Insurance, the state insurer of last resort, now covers over 1.2 million policies after seven private carriers entered receivership since 2020. Florida's 2022-2023 tort reform legislation eliminated one-way attorney fee recovery and restricted assignment of benefits, significantly weakening policyholder protections in bad faith litigation.
Florida storm damage lawsuits are filed in Circuit Court in the county where the property is located. The Florida Office of Insurance Regulation (OIR) oversees carriers, and policyholders can file complaints through the Department of Financial Services (DFS). Before filing a bad faith lawsuit, policyholders must file a Civil Remedy Notice (CRN) under Fla. Stat. § 624.155, giving the insurer 60 days to cure. Florida's 2023 tort reform (SB 2A and HB 837) eliminated one-way attorney fees for insurance disputes filed after March 2023, making it harder for policyholders to find representation on smaller claims. The reform also shortened the filing period for property claims from two years to one year from the date of loss. South Florida Circuit Courts (Miami-Dade, Broward, Palm Beach) and Gulf Coast courts (Hillsborough, Lee, Collier) handle the highest volume of hurricane-related insurance disputes.
How this works nationally
For the overall process and updates, read the Storm claim denied: what can I do? overview. This page covers the local information available for Florida.
What happens when I check?
You answer a few short questions about what happened. If you send them, your answers are kept on file. If a participating law firm takes these cases, it may contact you. People's Justice is not a law firm.
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- Fla. Stat. § 95.11(2)(b)