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How long do I have to file a Hurricane Ian insurance claim?

Hurricane Ian wreaked havoc across Florida when it made landfall on September 28, 2022. Over a year later homeowners are left wondering “Is it too late to file a Hurricane Ian claim?” and “Does my insurance cover hurricane damage?” Here's what you need to know:




Can I still file a hurricane Ian damage claim?

In Florida, you have two years to file a claim from the date of loss for Hurricane Ian damage claims, so you have until September 28, 2024 to report your claim.

Florida's insurance regulations grant policyholders a two-year period starting from the 'date of loss' to submit a claim for hurricane damage. In the case of Hurricane Ian, this critical date of loss is September 28, 2022, giving property owners until September 28, 2024, to report their Hurricane Ian claims. It's vital to be aware of this timeframe because failing to meet the deadline may result in your insurance provider denying your claim.


What can you do now?

Get your home inspected as soon as possible. Uncovering hidden damage now can save you thousands in the long run and help get your Ian claim filed on time. Need help? Contact our office at (305) 696-7818, and we will get the ball rolling for you.



water damage detected by heat map


Can I still file a Hurricane Ian claim if I initially didn't notice any damage?

Yes, you can still file a Hurricane Ian claim even if you didn't initially notice any damage.

It's not uncommon for property owners to discover damage later, especially since some types of damage, like water intrusion or roof damage, may not be immediately apparent. However, it's important to act promptly once the damage is discovered and to file your claim within the deadline set by Florida's insurance laws for Hurricane Ian, which is two years from the date of the hurricane.


This means you have until September 28, 2024, to file your claim. If you've discovered late damage, consider consulting with a public adjuster or insurance claim professional to ensure your claim is thoroughly documented and filed correctly.


Does my insurance cover hurricane damage?

Most homeowners' insurance policies in Florida include coverage for damages caused by hurricanes, such as wind damage and rainwater intrusion, provided the damage occurs as a direct result of the hurricane. 

Whether your insurance covers hurricane damage depends on the specifics of your policy. Most homeowners' insurance policies in Florida include coverage for damages caused by hurricanes, such as wind damage and rainwater intrusion, provided the damage occurs as a direct result of the hurricane. However, flood damage—often a consequence of hurricanes—is typically not covered under standard homeowners' policies and requires separate flood insurance.


It's crucial to review your insurance policy to understand what is and isn't covered. Look for details about hurricane deductibles, which are often higher than standard deductibles and apply specifically to damage from hurricanes.


If you're unsure about your coverage call (305) 696-7818 for your free discovery call.

ceiling damage caused by hurricane

Did Hurricane Ian cause the leak in my ceiling?

Hurricane Ian's impact may not be immediate. If you noticed a new leak in your ceiling following Hurricane Ian, it's possible that the hurricane caused the damage.

Hurricanes can lead to a variety of structural issues, including roof damage from high winds, flying debris, or heavy rainfall, which can subsequently result in leaks. Wind uplift, a common occurrence during hurricanes, can create gaps or lift shingles, allowing water to seep through and cause leaks that might not be immediately noticeable.


Determining the exact cause of a ceiling leak can be complex, as pre-existing conditions or wear and tear could also be factors. However, if the leak appeared after the hurricane and there was no prior issue, it's likely related to storm damage. If you find yourself with a new roof leak, getting it inspected as soon as possible is critical. 


Can I reopen or supplement my Hurricane Ian insurance claim after the initial settlement?

Yes! In Florida, you have 18 months to file a supplemental claim from the date of reporting your Hurricane Ian damage claims.

Reopening or supplementing your Hurricane Ian insurance claim is a strategic move to ensure you receive fair compensation for all damages.


Palm trees toppled by hurricane ian

Do you help commercial property owners with Hurricane Ian claims?

Yes, commercial property owners affected by Hurricane Ian have the same right to file an insurance claim for hurricane Ian damages.

The process might be more complex due to the nature and value of commercial properties. Santos Public Adjusters are experienced in handling claims for both residential and commercial properties, including navigating the complexities that often accompany commercial claims.


Where can I find a Hurricane Insurance Public Adjuster?

Finding a reputable Hurricane Insurance Public Adjuster can be crucial for navigating the complexities of filing and negotiating your hurricane damage claim.


With over 25 years of experience, Santos Public Adjusters specializes in hurricane insurance claims and have a proven track record of successfully maximizing settlements for our clients. Our team, led by licensed public adjuster Gustavo Santos Jr., is committed to upholding the highest standards of professionalism and ethics. Santos Public Adjusters is your dedicated ally.


Call (305) 696-7818 for your free discovery call. Santos Public Adjusters stands ready to guide you through your Hurricane Ian claim.

Shingles lifted by hurricane Ian


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