The short answer is no, but time is running out quickly. You can still file a new claim for Hurricane Milton, but the deadline to file is October 9, 2025.
On October 9, 2024, Hurricane Milton made a devastating impact across Florida.
While much of the cleanup and recovery efforts may seem behind us, some homeowners are just now realizing they have property damage that may be from Hurricane Milton, which leaves them asking, “Is it too late to file a Hurricane Milton property damage claim?
The deadline to file a Hurricane Milton Property Damage Claim is October 9, 2025.
Under Florida law, you generally have exactly one year after the date of loss to file a property damage claim for hurricane damage with your insurer. Hurricane Milton hit on October 9, 2024, which means the deadline to submit your initial claim is October 9, 2025.
Can I still file a supplemental claim for Hurricane Milton property damage?
Yes. You have until April 9, 2026, to file a supplemental claim for newly discovered damage.
Even after filing the initial claim, additional or newly discovered damage may arise later, especially hidden damage like structural issues or mold.
In these cases, you can often file a supplemental claim, which is typically allowed up to six months after the initial claim deadline, giving you until April 9, 2026, to file. It’s important to note that a supplemental claim is different than your initial claim filing. You still have to file your initial claim by the one-year deadline of October 9, 2025.
Why Acting Quickly Matters
- Preserve Evidence: Waiting too long can allow further damage, like mold or rot, to occur.
- Avoid Claim Denials: Insurers may outright deny claims submitted late or challenge them due to lost documentation.
- Better Negotiation Leverage: Filing early gives you a stronger footing if the insurer attempts a lowball offer or refuses coverage.
Filing the right way matters – if you still have not filed – working with JT Law Firm can increase your chances of a fair payout.
If you haven’t filed your Hurricane Milton claim yet, the best next step is to start immediately—and to do it the right way with a property damage attorney by your side.
Submitting a claim without proper documentation or missing critical details can delay your payout or lead to a denial.
Claims filed close to the filing deadline are far more likely to face pushback from the insurance company, with insurers using timing as an excuse to avoid paying or to lower your payout.
Working with a property damage law firm like JT Law Firm helps ensure your claim is filed on time, with the necessary evidence and the legal backing to stand up to denial tactics.
FAQs About Filing Hurricane Milton Claims
1. Can I still file a claim even if it’s months after the storm?
Yes—as long as it’s before October 9, 2025, you’re within your legal right to submit a claim for Hurricane Milton-related damages.
2. What if I miss the one-year deadline?
Missing the deadline can result in losing your legal right to compensation. It’s crucial to consult with a property damage attorney immediately to review your options.
3. What qualifies as a supplemental claim?
Newly discovered damage—like hidden water damage, structural defects, or mold—can be submitted later as a supplemental claim, possibly as late as April 9, 2026.
4. Is there any advantage to filing early?
Yes. Filing sooner preserves evidence, increases the likelihood of full payment, and helps avoid processing delays or denial tactics by insurers.
5. What support is available if I need help with my claim?
JT Law Firm offers a free claim review and will help you submit your claim properly, negotiate with insurers, and file court action if necessary.
If Hurricane Milton damaged your property, don’t wait to file your claim. The deadline to file is October 9, 2025.
Contact JT Law Firm today. We can ensure your claim is filed correctly, on time, and aggressively pursued—so you get the compensation you deserve.
