How Long To Submit A Hurricane Insurance Claim In Daytona Beach?
If your property has been damaged due to a hurricane, you can file a claim with your own insurance company to receive coverage to offset the financial burden. However, when filing a claim you must follow strict procedural rules. One of these is the amount of time you have to file your claim. If you do not file your claim within the specified time limit, you will lose your right to claim any coverage at all. Below, our Daytona Beach hurricane insurance claims lawyer explains more.
The Statute of Limitations on Hurricane Insurance Claims
In Daytona Beach, and throughout the rest of the state, you have only one year from the date the hurricane made landfall to submit a claim to the insurance company. This is somewhat different from other property damage claims. When submitting another type of claim, you have one year from the date of loss to file a claim. After a hurricane, though, you have one year from the date the hurricane made landfall. This is a very important distinction to keep in mind when filing a claim.
It is important to note that different deadlines apply to different types of claims. While you only have one year from the date the hurricane made landfall for the initial claim, you may have longer for supplemental claims. Supplemental claims are submitted when you have sustained additional losses or damage due to the same hurricane. A supplemental claim can also provide coverage for costs that arose due to replacement or repair work. Supplemental claims are not governed by the same one-year time limit.
When Should You File Your Hurricane Insurance Claim?
Of course, you need to make sure you file your claim before the statute of limitations expires to ensure you receive the full coverage you are entitled to. However, you do not want to wait until the deadline is approaching to file your claim. Instead, you should file your claim as soon as possible.
If you wait too long to file your claim, the insurance company may argue that you did not try to mitigate the damage done to the property. If they are successful with this argument, it could reduce the amount of coverage you receive. Additionally, the insurance company may also argue that the damage was not caused by the hurricane if you wait too long. In this instance, you may not receive any coverage at all. To protect you, and any coverage you receive, it is critical that you file your hurricane insurance claim as soon as possible after the damage occurs.
Our Hurricane Insurance Claims Lawyer in Daytona Beach Will File Your Claim on Time
If your property has been damaged, our Daytona Beach hurricane insurance claims lawyer at Bundza & Rodriguez will make sure your claim is filed on time so your coverage is not placed in jeopardy. Call us now at 386-252-5170 or contact us online to schedule a free consultation and to learn more about how we can help.