Floridastorm damage repair & claim deadlines

General guidance: under Florida's 2022–2023 reforms, a new or reopened property claim generally must be filed within 1 YEAR of the date of loss, and a supplemental claim within 18 months (down from 2 years). These are strict, confirm the current deadline for your loss and policy. Florida: report promptly, Florida's deadlines are among the shortest in the country after recent reforms. This is general information, not legal advice — verify your specific deadline with Florida Dept. of Financial Services / Office of Insurance Regulation (myfloridacfo.com).

Florida coastal policies carry a separate hurricane/named-storm deductible (commonly 2%–5% of dwelling coverage) that applies per season for named storms.

Yes — we match you with one vetted local roofing or restoration contractor screened for active licensing (where Florida or the local jurisdiction requires it) and insurance. We're a referral service, not a contractor, so always verify credentials before signing; the independent pro is responsible for the work.