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.
Four numbers control a Florida hurricane claim today: 1 year from the date of loss to notice a new or reopened claim and 18 months for a supplemental claim (Fla. Stat. 627.70132, as amended by SB 2-A, ch. 2022-271, effective Dec. 16, 2022), 60 days for the carrier to pay or deny once noticed (627.70131, as amended by the same act effective March 1, 2023), and 5 years from the date of loss to sue for breach (95.11(2)(e), in the statute since 2011). Here is where every recent storm stands.
| Storm | Date of loss | Notice window | Supplemental window | 5-yr suit deadline |
|---|---|---|---|---|
| Ian | 9/28/2022 | passed (2 yr, 9/28/2024) | passed (3 yr, 9/28/2025) | 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 |
Ian made landfall before Dec. 16, 2022, when the version of 627.70132 in force (ch. 2021-77, from July 1, 2021) gave 2 years to notice a claim or reopened claim and 3 years for a supplemental claim. The later storms show the 1-year and 18-month windows. Ch. 2022-271 does not state whether those windows apply by date of loss or by policy date. 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.