The windows that matter most
Under current Florida law, notice of a new or reopened property claim generally must be given within one year of the date of loss, and a supplemental claim within 18 months. Insurers generally must acknowledge a claim within days of notice and pay or deny within a set period, commonly 60 days after notice, absent factors beyond their control.
Appraisal has its own clock: many policies require a written demand, set a short window for each side to name its appraiser and expect the appraisers to select an umpire within a stated period. Those deadlines live in your policy, not the statute.
Why it helps to start early
Building a documented estimate, gathering photos and pulling the insurer’s file takes time. Owners who wait until the last month of a notice window often end up rushing the evidence that wins appraisals. Our readiness quiz shows what to collect first.
Frequently asked questions
How long do I have to file a property claim in Florida?
For new or reopened claims, Florida law generally requires notice within one year of the date of loss; supplemental claims generally within 18 months. Your policy may impose additional conditions.
Does invoking appraisal stop the claim clock?
Not automatically. Appraisal deadlines are set by your policy, and statutory notice and lawsuit deadlines may keep running. Get legal advice if a deadline is close.
What if my insurer misses its deadline?
Missed statutory timelines can matter, but the remedies are a legal question. Florida Insurance Appraiser handles the amount of loss; talk with a Florida attorney about remedies.
Estimates only, for general planning. Results depend on your policy, your property and current pricing. Not legal advice.