Hurricane Irma caused devastation all across Florida in 2017 and many state property owners quickly got their insurance claims filed to cover the damage. Despite their prompt action, some still saw their claims either significantly underpaid or denied altogether.
Fortunately, many policyholders did have their roof replacement coverage extended and all damages repaired. However, outside of those scenarios, there are several individuals just now noticing roof damage that was caused by Hurricane Irma. Examples of newly-discovered problems might include compromised parts of the roof, windows or entrances that are just now showing signs of that damage.
The question that remains for those of you facing this issue is whether you can file a supplemental claim for the damage when you already have a closed claim related to Hurricane Irma? The answer is likely yes, provided that you did not sign a release of all claims in order to receive your original payment.
Florida Statute 627.70131, titled Notice of Windstorm or Hurricane Claim, outlines flatly what the property owner is allowed to do:
“A claim, supplemental claim, or reopened claim under an insurance policy that provides property insurance, as defined in s. 624.604, for loss or damage caused by the peril of windstorm or hurricane is barred unless notice of the claim, supplemental claim, or reopened claim was given to the insurer in accordance with the terms of the policy within 3 years after the hurricane first made landfall or the windstorm caused the covered damage.”
As you can see, the terms “supplemental claim” and “reopened claim” are both covered in the statute. They refer to any additional claim related to losses from the same hurricane or major weather storm that the insurance company has already adjusted on.
Landfall for Hurricane Irma in Florida on Cudjoe Key took place on September 10, 2017, which means property owners have until September 10, 2020 to file damage claims related to the storm. This also means that is your deadline to re-open any original Irma claim or make additions to it.
When dealing with any claims related to commercial property loss it is important to remember that almost all policies carry a duty to promptly report any loss. That means you must declare any damages you find as quickly as possible.
If you are trying to sort out whether you can file a new Hurricane Irma property claim, contact Tighe PA at 855-567-7776. We have recovered tens of millions in damages for our clients and our experienced team is happy to help walk you step-by-step through what can sometimes be an intricate claims process.