Florida Claim Notice Deadlines Boards Miss
Florida property claims have hard notice deadlines. There is also a condo-specific extension for loss-assessment coverage that most boards do not know exists, and it can be the difference between a valid claim and a missed one.
The general deadlines
- —New or reopened claim: notice to the insurer is required within one year of the date of loss.
- —Supplemental claim: notice is required within 18 months of the date of loss.
The condo-specific extension boards miss
For a condominium association’s loss-assessment coverage, the deadline is the later of one year after the loss, or 90 days after the date the board votes to levy the assessment.
If a board is slow to vote, that rule can preserve a claim that would otherwise look expired. It is worth having in your back pocket for every association loss.
When the clock starts on a weather loss
For weather-related losses, the date of loss clock starts on the date of hurricane landfall, or the date NOAA verifies the tornado, windstorm, or severe-rain event. Do not assume you have missed the window until you have confirmed the correct start date.
Sources
- Fla. Stat. § 627.70132(2) and (4)(a) — notice deadlines and condo loss-assessment extension
This page is for general information, not legal advice. Confirm any deadline or obligation against your association’s governing documents and current Florida law.
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