Property damage can be both devastating and expensive. For property owners in Florida, there are many weather conditions that can cause severe damage to their homes, businesses, or other structures. Regardless of whether the damage was caused by a natural disaster, hurricane, hailstorm, broken pipe leak, fire, or vandalism, your homeowners insurance plan should cover you in case of damage. However, there are several important factors that can impact the appraisal process and how long it takes to settle home insurance claims in Florida.

For instance, Florida homeowners need to file a property damage claim with their insurance provider within a set timeframe. Fortunately, insurance companies are required to follow certain rules regarding the timeline in which they communicate with you. There are also specific statutes of limitation for filing a claim for property damage in Florida. Homeowners who don’t adhere to this timeline will find it difficult to obtain a favorable settlement for their home insurance claim.

A Floridian involved in a motorcycle accident fills out their injury claim form.

The Cliff Notes: Key Takeaways From This Post

  • 1
    Common claims filed by Florida homeowners include hail & wind damage, water damage, fire & lightning damage, break-ins & theft, and liability claims.
  • 2
    Homeowners have four years from the date of the incident to file a claim and receive a response within 14 days.
  • 3
    The Bill of Rights outlines the rights of homeowners, including prompt acknowledgment of their claim and interest on late payments.
  • 4

    Reasons for insurance claims being denied include insufficient coverage, not meeting deadlines or paying premiums, falsifying information, poor documentation, and failing to secure homes from further damage.

  • 5
    Mistakes to avoid when filing a claim include failing to read policies, not having the right coverage, not keeping an inventory or trying to tackle big claims alone.
  • 6
    If dissatisfied with the response from an insurer, reach out again and consider getting an independent appraisal or hiring an attorney.

Common Reasons Florida Homeowners Need to File Insurance Claims

Among the types of claims that occur in the state of Florida, there are some that are significantly more frequent than others. When you understand common homeowners insurance claims, you can identify what items you need to include in your policy in the future to protect your home. Listed below are some of the most common claims filed by Florida homeowners.

Hail & Wind Damage

Wind or hail damage is a claim out of one in four insured homes that submit a property damage claim. Wind and hail damage claims in Florida are usually around $11,000, and since the state has one of the highest concentrations of thunderstorms in the country, this coverage could be crucial.

Water Damage

Approximately 1 in every 50 Florida homeowners who submit a property damage claim also submits a water damage claim. Common causes of water damage claims include leaky plumbing, storm damage, burst pipes, rain, and much more. Make sure you carefully review your homeowners insurance policy now so you have a clear understanding of what kind of coverage you have for water damage.

Fire & Lightning

Lightning and fire damage are rare in terms of the scale of claims, but the resulting damage is usually between $80,000 and $150,000 on average. It is not unusual for lightning to strike homes here in Pinellas, which can cause serious structural damage. Without the right insurance coverage, a homeowner could face massive financial difficulties.

Break-ins & Theft

Even in the safest neighborhoods, thefts and break-ins can occur. Damages from break-ins and theft go beyond just missing items, which can include the repair of areas where the house was broken into, the replacement value of items thrown away in the search for valuables, and more.

Liability Claims

In addition to liability coverage for your property, it can include coverage for accidents in your yard, slips and falls, dog bites, or even incidental damage caused by collisions with vehicles.

How Long Do You Have to File a Home Insurance Claim in Florida?

You have four years from the date of the incident to file a claim for homeowners insurance in Florida. A timely filing of a claim will increase your chances of preserving ev