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Florida Statute / 3 year rule

2 years ago today...

2 years ago today, Hurricane Irma made landfall over the southern Florida mainland around 1 p.m. local time Sunday, September 10, 2017 as a Category 3 storm, packing winds of more than 110 miles per hour. It roared its way north, overwhelming the entire state with heavy rains and fierce winds. Irma was the most intense hurricane to strike the east coast of the United States since Katrina in 2005 and resulted in 134 fatalities and caused over $65 billion in damage. The northeastern Caribbean and Florida were hit the worst. What do you remember about you Hurricane Irma experience?

On this anniversary, The Law Offices of Scott Klotztman,P.A. want to remind you of the Florida Statute -3 year rule found here:

627.70132 Notice of windstorm or hurricane claim.—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. For purposes of this section, the term “supplemental claim” or “reopened claim” means any additional claim for recovery from the insurer for losses from the same hurricane or windstorm which the insurer has previously adjusted pursuant to the initial claim. This section does not affect any applicable limitation on civil actions provided in s. 95.11 for claims, supplemental claims, or reopened claims timely filed under this section.

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