How Long Do I Have To File An Insurance Claim For Hurricane Ian Damage?

May 23, 2024

If you were affected by Hurricane Ian, there is still time to submit a claim to your insurance provider. Your trusted lawyers at Older, Lundy, Koch & Martino are here to remind you of the official deadline, the challenges you may face, and how we can help.

The Hurricane Ian Insurance Claim Deadline

In Florida, you have two years to file a claim for hurricane damages from the date of loss. Hurricane Ian struck hundreds and hundreds of homes throughout the state on September 28th, 2022. This means that the deadline for filing a claim if you suffered damages due to Hurricane Ian is September 28th, 2024 which is soon to be here. 

If you’re unsure how to begin filing, we have a guide covering the different types of insurance claims you may need to file in response to Hurricane Ian.

Hurricane Ian Victims Facing Underpayment with Insurance Claims

Many Florida residents who have already filed their insurance claims in response to Hurricane Ian have reported underpayment (or no payment) from their home insurance providers.  Many of the Policyholders, since the date of loss, are still living in temporary residences for the last 20 months or longer as they await payment for their damages.  Do not fear making a claim. 

In 2021, the legislature commissioned a study of insurance and claims because it was alleged that trial lawyers were driving up the cost of insurance. In January 2024, the Office of Insurance Regulations (OIR) issued a report.

Some of the data from the report indicates there may be a problem in a small number of counties, but the overall amount of lawsuits is relatively small for the number of reported claims – with less than 8% of the claims leading to a lawsuit. The OIR found that the statewide percentage of 5% of reported claims lead to a lawsuit, which is less than 1% of all state policies. This data also suggests that the insurers’ bad behavior could contribute to the litigation. Typically, the longer the claim stays open, the higher the likelihood the claim will be litigated.

The 2022 OIR data shows that in all litigated claims, the total cost to the insurance companies to litigate was approximately $580,000,000, with policyholders paying approximately $16 billion in premiums that same year. 

Timely notice of your claim to your insurer is critical to the timely payment of the claim.

The Data on Hurricane Ian – Insurance Claim Statistics

Hurricane Ian stands out as one of Florida’s largest natural disasters in the state’s history with a total estimated insured losses at $21,386,266,489.00.  Let’s take a moment to review Hurricane Ian’s insurance claim data among residential homeowners (as of April 22, 2024):

  • Over 776,941 insurance claims have been reported.
  • Roughly 198,000 insurance claims have been closed without payment.
  • Just under 19,000 claims continue to remain open with no payment.

The fact that over 90% of the Hurricane Ian claims have been closed does not mean policyholders have received their fair payment of owed insurance benefits.  Hundreds if not thousands of policyholders reported not receiving enough insurance benefits to put their insured property back into a pre-loss condition, and many more have been left with no payment at all.

Hire a Lawyer for Hurricane Insurance Disputes

You don’t have to settle for underpayment or zero payment from your insurance provider. If you feel that you have been wronged and haven’t received what you are owed, it could be a means for a lawsuit. Lawyers are knowledgeable and are trained to handle disputes regarding property insurance. The need for lawyers in this scenario is rather common, especially in disaster-prone areas like Florida where it may be difficult for insurance companies to address high influxes of claims. However, you are still entitled to what you are due and a lawyer can help you find your voice.

We Handle Property Insurance Claims and Disputes

At Older, Lundy, Koch & Martino, we specialize in property insurance claims and disputes to help you receive a fair amount when you file your claim for Hurricane Ian. Reach out to our office today at (813) 254-8998 to start with a consultation.

Related Posts