{"id":567,"date":"2025-03-27T18:17:04","date_gmt":"2025-03-27T18:17:04","guid":{"rendered":"https:\/\/leoninsuranceattorneys.com\/?p=567"},"modified":"2025-09-05T08:08:55","modified_gmt":"2025-09-05T08:08:55","slug":"time-sensitive-property-damage-claims-dont-miss-your-window-to-file","status":"publish","type":"post","link":"https:\/\/www.leonattorneys.com\/blog\/time-sensitive-property-damage-claims-dont-miss-your-window-to-file\/","title":{"rendered":"Time-Sensitive Property Damage Claims: Don\u2019t Miss Your Window to File","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

After experiencing property damage,<\/a> many homeowners focus on cleanup and recovery\u2014unaware that the clock is already ticking on their ability to file a claim. In Florida, recent insurance law reforms have shortened deadlines and added new requirements that make timing more important than ever. If you live in Miami or anywhere in South Florida, understanding these time-sensitive rules can mean the difference between a successful claim and an outright denial.<\/span><\/p>\n

Why Timing Matters in Property Damage Claims<\/h2>\n

Insurance policies often contain specific timeframes for reporting damage and filing claims. If you miss these windows, your insurance company can legally deny your claim\u2014even if the damage is clearly covered.<\/span><\/p>\n

As of 2025, Florida law now requires most property damage claims to be filed within <\/span>12 months<\/b> of the date of the loss. Supplemental claims and reopened claims must be filed within 18 months. This is a major change from the previous two-year limit, and many homeowners are unaware of the new deadlines.<\/span><\/p>\n

Common Delays That Can Cost You<\/h3>\n