Statute of Limitations for Property Damage Claims in Florida

If your property is damaged, you may have the right to recover under a homeowners insurance claim. While it’s great to know that you can rely on homeowners insurance, many things can result in a denied claim. One of those things is what we will talk about in this blog: the statute of limitations.

Florida Property Insurance & Statute of Limitations

The statute of limitations is the timeframe in which the insured must file a claim for damages. If the insured fails to file a claim within the statute of limitations, his or her insurance company has the right to deny his or her claim.

Let’s look at an example to get a better picture of how the statute of limitations works.

Let’s assume that a pipe burst in your home on January 1st, 2020. You immediately call a plumber to fix the pipe but decide to wait to file a homeowners claim. Based on Fla. Stat. § 95.11, you generally have five years to file your claim, which means you’d need to file the claim by January 1st, 2025. If you failed to file your claim before 2025, your insurance company would potentially deny your claim.

It’s important to note that there are exceptions to the rule. Therefore, it’s always wise to talk to an experienced Florida property insurance attorney about your claim.

Dealing with a Denied Claim?

If you or a loved one are dealing with a denied insurance claim based on the statute of limitations, it’s a good idea to talk to an experienced property insurance firm about your case. Strems Law Firm, P.A. is here to review denied claims and determine if you have a chance to fight back.

We have a track record of holding insurance companies accountable to their liabilities, even when they intially deny their claims. Get a free consultation with Strems Law Firm, P.A. by calling (786) 661-3111 now!


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