What do I do if
Storm damage discovered months after the storm.
Latent damage from storms often discovered during later inspections.
Storm damage discovered months after the storm.
Root cause
Why this happens
Latent damage from storms often discovered during later inspections.
Know the law
Your rights as a Florida policyholder
FS 627.70132 windows apply; supplemental claims permitted.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
File supplemental claim within window
- 02
Step 2
Document connection to storm event
- 03
Step 3
Provide expert report on causation and timing
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
I signed a partial settlement and now realize it released everything.
Release language can be broader than intended.
Carrier says I didn't mitigate fast enough.
Mitigation timeline disputes during emergencies.
Policy language is ambiguous and carrier interprets against me.
Ambiguous policy language is typically construed against insurer.
My loss was caused by neighbor's negligence.
Third-party liability creates subrogation opportunity.
Insurance agent made a mistake affecting my coverage.
Agent errors (incorrect limits, missing endorsements, policy misrepresentation) create E&O exposure.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
First 48 Hours
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Florida Law
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Locations
All 67 counties.
Glossary
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Damage categories.
Storms
Florida storm profiles.
Calculators
Decision tools.
Case Studies
Real recoveries.
Help Center
Common problems.
See also
Other common problems
I lost my claim number.
Another situation Florida policyholders face mid-claim.
How to select a public adjuster (variant 3).
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Catastrophic claim handling delays (variant 4).
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Shed workshop tools and equipment damaged.
Another situation Florida policyholders face mid-claim.
I signed an AOB and regret it.
Another situation Florida policyholders face mid-claim.
Carrier authorized partial flooring replacement that doesn't match.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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