Notice windows, supplemental windows, the 60-day pay-or-deny clock, and the 5-year suit deadline for Ian, Idalia, Debby, Helene, and Milton. Ian's dies first.
Florida’s 2022 reforms rewrote every clock that governs a hurricane claim. Four numbers now control: 1 year from the date of loss to notice a new claim, 18 months for supplemental claims (Fla. Stat. 627.70132), 60 days for the carrier to pay or deny once noticed (627.70131), and 5 years from the date of loss to sue for breach (95.11). Here is where every recent storm stands.
| Storm | Date of loss | 1-yr notice | 18-mo supplemental | 5-yr suit deadline |
|---|---|---|---|---|
| Ian | 9/28/2022 | passed | passed | 9/28/2027 |
| Idalia | 8/30/2023 | passed | passed | 8/30/2028 |
| Debby | 8/5/2024 | passed | passed | 8/5/2029 |
| Helene | 9/26/2024 | passed | passed | 9/26/2029 |
| Milton | 10/9/2024 | passed | passed | 10/9/2029 |
Dates are general rules with exceptions; older claims noticed before the 2023 reforms can fall under prior law. Verify your dates against your policy and current statute.
What “passed” means, and what it does not
Every filing window above has closed. If you never reported a loss from these storms, that opportunity has generally expired. But a claim you already filed is not governed by the notice clock: the question becomes what the carrier did with it, and whether you dispute it in time.
- Filed and denied or underpaid? The five-year suit clock is the one that matters, and it runs from the date of loss. Ian claims die first: Sept. 28, 2027, barely a year out.
- Carrier missed its own clocks? The 60-day pay-or-deny duty, the 7-day estimate delivery rule, and the written-explanation requirement are tested in is your denial letter even legal.
- Not sure which clock applies? The deadline countdown tool runs your dates.
The practical order of operations
Pull the denial or payment letter, check its date against the 60-day rule, and check its content against the written-basis requirement. Then compare the carrier’s number against a current contractor estimate: the denial documents show how often the first number moves under documentation pressure. Then look at the suit deadline for your storm above, and do not let an argument with an adjuster consume a limitations period.
Not legal advice; deadlines have exceptions and your dates control. Confirm with a licensed attorney. Sources: Fla. Stat. 627.70132, 627.70131, 95.11; Florida CFO SB 2-A summary.
General information, not legal advice, laws and policies vary and change. Confirm current statutes and your own dates with a licensed attorney before acting.