When Hurricane Milton struck Florida on October 9, 2024, thousands of homeowners were left facingextensive roof, water, and structural damage. What many don’t realize isthat the window to file an insurance claim is limited.
Under Florida law, you have one year from the date of loss to file your hurricane property damage claim. That means the deadline to file a claim for Hurricane Milton is October 9, 2025.
If you miss this deadline, your claim may be denied outright—even if your damage is real and properlydocumented. Acting quickly ensures your right to compensation is preserved.
Why You Shouldn’t Wait
Insurance companies are known for using delay tactics, making repeated document requests, and even sending lowball offers to pressure homeowners into giving up. Filing early helps you:
- Avoid unnecessary disputes about deadlines.
- Capture proof of storm-related damage while it’s fresh.
- Give yourself time to dispute undervalued or denied claims.
- Ensure hidden damage (like roof underlayment failure or water intrusion) is addressed before deadlines close.
The longer you wait, the more leverage the insurance company has to argue against your claim.
Protecting Your Claim
After Hurricane Milton, some damage may take months to appear – especially roof leaks, attic mold, among others. That’s why JT Law Firm advises homeowners to:
- Get a professional inspection to uncover both visible and hidden damage.
- Document thoroughly with photos, videos, and receipts for any emergency repairs.
- Contact an insurance lawyer early to ensure your claim is filed correctly and within the deadline.
Our attorneys at JT Law Firm are prepared to handle every step of your claim process, whether it’snegotiating with insurers or pursuing litigation if necessary.
Frequently Asked Questions
1. What happens if I miss the October 9, 2025deadline?
Your claim will likely be denied for being untimely, regardless of how severe the damage is.
2. What if hidden damage appears after the deadline?
If you haven’t filed before the deadline, insurers can refuse coverage. Thisis why getting an inspection and filing promptly is essential.
3. My insurance company denied my claim. Can I still fight it?
Yes. As long asyou filed before the deadline, our attorneys can challenge denials and push back against unfair tactics.
4. Do temporary repairs affect my claim?
No. Most policies require you to mitigate further damage, so temporary repairs are expected – justkeep receipts and photos.
5. Why should I hire JT Law Firm?
We are Florida-based insurance lawyers who fight aggressively against delay tactics, lowball offers, and denials. Our focus ison getting you the payout you deserve before your filing window closes.
Don’t Wait To File. The Clock is Ticking.
Your deadline to file a Hurricane Milton claim is October 9, 2025. If you delay, you risk losing your right to compensation completely.
Call JT Law Firm today at (888) 585-2997 for a free claim review and let us fight for your recovery.
