Florida deadline: 1 year from date of loss to file hurricane notice · § 627.70132 Plazo Florida: 1 año desde la fecha de pérdida para avisar al asegurador · § 627.70132 Dat limit Florid: 1 ane apati dat pèt la pou avi siklòn · § 627.70132
Florida hurricane claim representation Reclamos de huracán en Florida Reklamasyon siklòn nan Florid
Hurricane claims · Ian · Helene · Milton · Idalia
Reclamos huracán · Ian · Helene · Milton · Idalia
Reklamasyon siklòn · Ian · Helene · Milton · Idalia

Hurricane claim denied or underpaid? You have 1 year to file notice. ¿Reclamo de huracán denegado o subpagado? Tiene 1 año para avisar. Reklamasyon siklòn refize oswa peye mwens? Ou gen 1 ane pou avi.

Florida's recent statutory framework - SB 2-A (2022) and the post-Ian reform - narrowed your timeline. Under Fla. Stat. § 627.70132, hurricane notice must be filed within 1 year of the date of loss, with an 18-month supplemental claim window. Free claim review.

El marco reciente de Florida - SB 2-A (2022) y la reforma post-Ian - estrechó el plazo. Bajo Fla. Stat. § 627.70132, el aviso de huracán debe presentarse en 1 año, con ventana suplementaria de 18 meses. Revisión gratuita.

Kad estati resan Florid - SB 2-A (2022) ak refòm aprè Ian - sere kalendriye a. Anba Fla. Stat. § 627.70132, avi siklòn dwe depoze nan 1 ane, ak fenèt siplemantè 18 mwa. Revizyon gratis.

Start my free claim reviewComenzar revisiónKòmanse revizyon
Fees explained in writingHonorarios explicados por escritoFrè eksplike alekri Statewide · all 67 FL countiesEstatal · 67 condadosEta · 67 konte Bad-faith track under § 624.155Mala fe § 624.155Move-fwa § 624.155
Florida home with palm trees down after a hurricane, the kind of storm damage behind many denied or underpaid claims
Hurricane Ian approaches Florida · Public domain · NOAA
Who qualifiesQuién calificaKiyès ki kalifye

You may have a Florida hurricane case if any of these apply. Puede tener un caso de huracán si aplica cualquiera. Ou ka gen yon ka siklòn si nenpòt aplike.

Hurricane Ian, Idalia, Helene, Milton, or prior named storm caused damage to your Florida property - within § 627.70132 deadlines.Huracán Ian, Idalia, Helene, Milton o tormenta anterior dañó su propiedad en Florida.Siklòn Ian, Idalia, Helene, Milton, oswa tanpèt anvan te andomaje pwopriyete Florid ou.
Wind, water, or roof damage - including water intrusion through wind-damaged openings, partial roof failures, soffit and fascia damage.Daño de viento, agua, techo - incluido intrusión por aberturas dañadas, fallos de techo, sofito y fascia.Domaj van, dlo, twati - ki gen dlo ki antre, twati ki tonbe, sofit ak fasia.
Claim was denied - citing pre-existing damage, wear and tear, exclusion, or material misrepresentation.Reclamo denegado - citando daño preexistente, desgaste, exclusión o tergiversación.Reklamasyon refize - site domaj anvan, izaj, esklizyon, fo deklarasyon.
Claim was underpaid - carrier acknowledged coverage but offered far less than the documented cost of repair.Reclamo subpagado - aseguradora reconoció cobertura pero ofreció mucho menos.Reklamasyon peye mwens - konpayi a admèt kouvèti men li ofri pi piti.
Carrier missed § 627.70131 deadlines - 7-day acknowledgment, 7-day investigation start, 60-day pay-or-deny.Plazos § 627.70131 incumplidos - 7, 7, 60 días.Dat limit § 627.70131 pa respekte - 7, 7, 60 jou.
Within the deadline - 1 year notice + 18-month supplemental window under § 627.70132. Don't assume you're out of time.Dentro del plazo - 1 año + 18 meses suplementario.Nan dat limit - 1 ane + 18 mwa siplemantè.
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Florida trial firm · Since 2019 · Bar #100174Firma de juicio FL · Desde 2019Kabinè pwosè FL · Depi 2019
Florida hurricane frameworkMarco de huracán FLKad siklòn FL

The statutory clock and the leverage it creates.El reloj legal y el poder que crea.Revèy legal ak levye li kreye.

Florida's post-Ian reforms changed the hurricane claim playbook. The deadlines are shorter, the procedural traps are deeper, and the bad-faith track is still alive. We use every tool that remains.

Las reformas post-Ian cambiaron el manual. Plazos más cortos, trampas procesales más profundas, pista de mala fe aún viva. Usamos cada herramienta.

Refòm yo aprè Ian chanje kad la. Dat limit pi kout, pyèj pi pwofon, pist move-fwa toujou vivan. Nou itilize chak zouti.

Fla. Stat. § 627.70132

1-year notice + 18-month supplemental

1 año + 18 meses suplementario

1 ane + 18 mwa siplemantè

Under the current statutory framework, hurricane claim notice must be filed within 1 year of the date of loss, with an 18-month window for supplemental and reopened claims. Older policies and pre-reform losses can have different windows.

Bajo el marco actual, el aviso debe presentarse en 1 año, con ventana de 18 meses para suplementarios. Pólizas anteriores pueden diferir.

Anba kad aktyèl la, avi a dwe depoze nan 1 ane, ak fenèt 18 mwa pou siplemantè. Polis anvan ka diferan.

  • 1-year initial notice deadline
  • 1 año aviso inicial
  • 1 ane avi inisyal
  • 18-month supplemental window
  • 18 meses suplementario
  • 18 mwa siplemantè
  • Tolling possible - call before assuming
  • Pausa posible
  • Tolling posib
SB 2-A (Dec. 2022)

Post-Ian tort reform implications

Implicaciones de reforma post-Ian

Konsekans refòm aprè Ian

SB 2-A eliminated the one-way attorney fee provision (former § 627.428) for residential property disputes, restricted assignment of benefits, and re-shaped the economics. Bad-faith under § 624.155 remains a separate cause of action.

SB 2-A eliminó honorarios unilaterales (antes § 627.428), restringió AOB, cambió la economía. La mala fe § 624.155 sigue separada.

SB 2-A te elimine onorè inilateral (anvan § 627.428), limite AOB, chanje ekonomi an. Move-fwa § 624.155 toujou separe.

  • One-way fees eliminated for residential
  • Honorarios unilaterales eliminados
  • Onorè inilateral elimine
  • AOB restrictions tightened
  • Restricciones AOB
  • Limit AOB
  • Bad-faith § 624.155 still available
  • Mala fe § 624.155 disponible
  • Move-fwa § 624.155 disponib
Fla. Stat. § 624.155

Civil Remedy Notice - beyond policy limits

Aviso de Remedio Civil

Civil Remedy Notice

Florida's bad-faith statute remains the leverage carriers fear most. When the carrier mishandles a hurricane claim, the CRN procedure can expose them to damages beyond the policy limits.

La mala fe sigue siendo el poder que más temen. El CRN expone más allá de los límites.

Move-fwa toujou levye konpayi yo pi pè. CRN ekspoze pi gwo pase limit.

  • CRN required pre-suit
  • CRN requerido
  • CRN obligatwa
  • 60-day cure window
  • 60 días para corregir
  • 60 jou pou korije
  • Damages beyond policy limits if cure fails
  • Daños más allá si no corrigen
  • Domaj pi gwo si yo pa korije
Fla. Stat. § 627.7142

Homeowner Claims Bill of Rights

Carta de Derechos del Propietario

Bill of Rights Pwopriyetè

Carrier duties during the claim cycle. Violations support bad-faith liability under § 624.155.

Deberes durante el ciclo de reclamo. Violaciones apoyan mala fe § 624.155.

Devwa pandan sik reklamasyon. Vyolasyon sipòte move-fwa § 624.155.

  • 7-day claim acknowledgment
  • 7 días reconocimiento
  • 7 jou rekonesans
  • 7-day investigation start
  • 7 días investigación
  • 7 jou envestigasyon
  • 60-day pay-or-deny window
  • 60 días pagar/negar
  • 60 jou peye/refize
How we workCómo trabajamosKijan nou travay

Three steps before the clock runs out.Tres pasos antes de que el reloj termine.Twa etap anvan revèy la fini.

01

Free review (15 min)

Revisión (15 min)

Revizyon (15 min)

Send us the policy, the denial or estimate, and the loss documentation. We review the deadline + carrier's stated reason.

Envíenos la póliza, la negación o estimación, y la documentación. Revisamos el plazo y motivo.

Voye nou polis la, refi a oswa estimasyon, ak dokimantasyon. Nou revize dat ak rezon.

02

We evaluate fit

Evaluamos viabilidad

Nou evalye li

If the case fits, we file the pre-suit notice (§ 627.70152) and CRN (§ 624.155). Most hurricane claims pay in the 60-day cure window.

Si encaja, presentamos aviso y CRN. La mayoría paga en 60 días.

Si li kadre, nou depoze avi ak CRN. Pifò peye nan 60 jou.

03

Fees explained in writing

Honorarios por escrito

Frè alekri

Fee arrangements depend on the case and are explained in writing before you hire us; contingency arrangements may be available in some matters.

Los honorarios dependen del caso y se explican por escrito antes de contratarnos; en algunos asuntos puede haber acuerdos por contingencia.

Frè yo depann de ka a epi nou eksplike yo alekri anvan ou angaje nou; nan kèk ka, aranjman kontenjans ka disponib.

Second review formSegundo formularioDezyèm fòm

Every month weakens your hurricane case.Cada mes debilita su caso.Chak mwa febli ka ou.

Hurricane damage doesn't preserve itself. Tarp wear, secondary water damage, mold growth, contractor patches - every month makes the carrier's "pre-existing damage" defense easier and your contemporaneous documentation harder to recover.

El daño no se preserva solo. Desgaste de lona, daño secundario, moho, parches - cada mes facilita la defensa "daño preexistente".

Domaj siklòn pa konsève tèt li. Bach ki tonbe, domaj segondè, mwazi, separasyon - chak mwa fasilite defans "domaj anvan".

  • Free consultation - 15 minutes
  • Consulta gratuita
  • Konsiltasyon gratis
  • Fees explained in writing
  • Honorarios explicados por escrito
  • Frè eksplike alekri
  • All 67 Florida counties
  • Los 67 condados
  • Tout 67 konte
  • EN · ES · HT spoken
  • EN · ES · HT
  • EN · ES · HT
Why a lawyer · Not a PAPor qué un abogado · No un ajustadorPoukisa avoka · Pa ajistè

Why call a lawyer instead of a public adjuster?¿Por qué llamar a un abogado en lugar de un ajustador público?Poukisa rele yon avoka olye yon ajistè piblik?

Florida hurricane claims fall under First-Party Property Insurance (FPPI) - not AOB. If the carrier digs in, you need a firm that can litigate FPPI bad-faith under Fla. Stat. § 624.155.

Reclamos de huracán Florida son FPPI (no AOB). Si la aseguradora se atrinchera, necesita firma que litigue mala fe § 624.155.

Reklamasyon siklòn Florid se FPPI (pa AOB). Si konpayi a refize bouje, ou bezwen kabinè ki ka litije move-fwa § 624.155.

What a public adjuster doesLo que hace el ajustador públicoSa ajistè piblik fè

Documents the claim. Negotiates with the carrier.

Documenta y negocia.

Dokimante epi negosye.

A PA documents the loss, builds the scope, and negotiates with the adjuster to maximize the payout. But a PA cannot file a lawsuit, take depositions, or take the carrier to court.

El PA documenta y negocia. Pero no puede demandar, deponer ni llevar el caso a los tribunales.

Ajistè a dokimante epi negosye. Men li pa ka depoze pwosè, fè depozisyon, oswa mennen konpayi a nan tribinal.

What MAC Legal doesLo que hace MAC LegalSa MAC Legal fè

Everything above + bad-faith litigation.

Todo eso + mala fe.

Tou sa + move-fwa.

We document the claim and negotiate - and we file the pre-suit notice (§ 627.70152), the Civil Remedy Notice (§ 624.155), and suit when the carrier doesn't cure. Damages beyond policy limits when the carrier acts in bad faith.

Documentamos, negociamos, y presentamos aviso, CRN, y demanda si la aseguradora no cura. Daños más allá de límites en mala fe.

Nou dokimante, negosye, depoze avi, CRN, ak pwosè si konpayi a pa cure. Domaj plis pase limit nan move-fwa.

End-to-end · One-stop shopDe principio a fin · Una sola paradaDe pwen rive nan pwen · Yon sèl kote

Claim through trial. No second firm needed.

Reclamo hasta juicio. Sin segunda firma.

Reklamasyon jiska pwosè. San dezyèm kabinè.

We handle the claim from denial through trial. If the carrier pays the documented loss, the file resolves quickly. If the carrier digs in, the same firm files suit, takes depositions, and tries the case - no need to hire a separate firm.

Manejamos desde negación hasta juicio. La misma firma demanda, depone, y juicia. Sin necesidad de otra firma.

Nou jere de refi rive nan pwosè. Menm kabinè a depoze pwosè, fè depozisyon, jije ka a. Pa bezwen lòt kabinè.

FAQPreguntasKesyon

Hurricane claims, questions we hear most.Reclamos huracán, preguntas frecuentes.Reklamasyon siklòn, kesyon souvan.

Does it cost anything?¿Cuesta algo?Èske li koute?

Free consultation. Fee arrangements depend on the case and are explained in writing before you hire us; contingency arrangements may be available in some matters.

Consulta gratuita. Los honorarios dependen del caso y se explican por escrito antes de contratarnos; en algunos asuntos puede haber acuerdos de honorarios por contingencia.

Konsiltasyon gratis. Frè yo depann de ka a epi nou eksplike yo alekri anvan ou angaje nou; nan kèk ka, aranjman kontenjans ka disponib.

How long does it take?¿Cuánto tarda?Konbyen tan li pran?

Most cases resolve in months, not years. The pre-suit notice procedure (§ 627.70152) gives the carrier 10 business days. The CRN under § 624.155 gives a 60-day cure. Many hurricane denials and underpayments resolve before suit. Litigation runs 9 to 18 months.

La mayoría se resuelve en meses. El aviso da 10 días, CRN 60. Litigio 9-18 meses.

Pifò regle nan mwa. Avi bay 10 jou, CRN 60. Pwosè 9-18 mwa.

What if I missed the deadline?¿Y si perdí el plazo?Si mwen rate dat limit?

Don't assume. Florida currently requires hurricane claim notice within 1 year of the date of loss (under § 627.70132), with an 18-month supplemental window. Earlier-storm policies may have different deadlines. Some statutes toll for limited reasons. Consult before assuming.

No asuma. Actualmente 1 año + 18 meses suplementario. Pólizas anteriores difieren. Algunas pausas posibles.

Pa sipoze. Aktyèlman 1 ane + 18 mwa siplemantè. Polis anvan ka diferan. Kèk ka kanpe.

What is my claim worth?¿Cuánto vale?Konbyen li vo?

Past results don't predict future outcomes. Claim value depends on documented damage, policy limits, the deductible (hurricane deductibles are separate), and whether the carrier's handling supports a bad-faith claim under § 624.155.

Resultados pasados no predicen futuros. Valor depende de daño, límites, deducible (huracán es separado), conducta § 624.155.

Rezilta pase pa prevwa. Valè depann de domaj, limit, dediktib (siklòn separe), kondwit § 624.155.

Do you handle hurricane claims statewide?¿En todo el estado?Nan tout eta a?

Yes. All Florida counties affected by Ian, Idalia, Helene, Milton, and prior named storms. Michael A. Citron is a member of The Florida Bar.

Sí, todos los condados de Florida. Michael A. Citron es miembro de The Florida Bar.

Wi, tout konte Florid yo. Michael A. Citron se manm The Florida Bar.

Free claim reviewRevisión gratuitaRevizyon gratis

Hurricane denial or underpayment? Don't accept it.¿Negación o subpago? No lo acepte.Refi oswa peye mwens? Pa aksepte.

15-minute call. Florida law gives policyholders specific tools the carrier hopes you don't know about. We use all of them.

Llamada de 15 minutos. La ley de Florida le da herramientas que la aseguradora espera que no conozca.

Apèl 15-minit. Lwa Florid ba ou zouti konpayi a espere ou pa konnen.

Call directly · Mon to Thu 8 to 6, Fri 8 to 2:30Llame · Lun-VieRele · Lendi-Vandredi (954) 395-2954