{"id":71,"date":"2026-09-29T14:45:05","date_gmt":"2026-09-29T20:45:05","guid":{"rendered":"https:\/\/www.caiman-ins.com\/blog\/?p=71"},"modified":"2026-09-29T14:45:06","modified_gmt":"2026-09-29T20:45:06","slug":"floridas-hurricane-claim-deadlines-are-shorter-now","status":"publish","type":"post","link":"https:\/\/www.caiman-ins.com\/blog\/floridas-hurricane-claim-deadlines-are-shorter-now\/","title":{"rendered":"Florida’s Hurricane Claim Deadlines Are Shorter Now"},"content":{"rendered":"

After a hurricane, many Tampa homeowners understandably focus on cleanup, family, and getting back to normal before thinking about paperwork. That instinct used to leave more breathing room than it does today. Florida’s 2022 property insurance reforms cut the time homeowners have to report claims, and those shorter windows apply to storms today.<\/p>\n

The Timeline at a Glance<\/h2>\n
\n
Date of loss<\/strong>
For hurricanes, this is generally the date the storm made landfall<\/div>\n
Within 1 year<\/strong>
Deadline to report a new claim or a reopened claim<\/div>\n
Within 18 months<\/strong>
Deadline to report a supplemental claim<\/div>\n<\/div>\n

Before these changes, homeowners generally had two years for new claims and three years for supplemental claims.<\/p>\n

Three Claim Types, Defined<\/h2>\n