Florida Statutes

Fla. Stat. § 627.70132 (2025)

Notice of property insurance claim.

✓ 2025 Florida Statutes — current through the 2025 Regular Session

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627.70132 Notice of property insurance claim.—

(1) As used in this section, the term:

(a) “Reopened claim” means a claim that an insurer has previously closed, but that has been reopened upon an insured’s request for additional costs for loss or damage previously disclosed to the insurer.

(b) “Supplemental claim” means a claim for additional loss or damage from the same peril which the insurer has previously adjusted or for which costs have been incurred while completing repairs or replacement pursuant to an open claim for which timely notice was previously provided to the insurer.

(2) A claim or reopened claim, but not a supplemental claim, under an insurance policy that provides property insurance, as defined in s. 624.604, including a property insurance policy issued by an eligible surplus lines insurer, for loss or damage caused by any peril is barred unless notice of the claim was given to the insurer in accordance with the terms of the policy within 1 year after the date of loss. A supplemental claim is barred unless notice of the supplemental claim was given to the insurer in accordance with the terms of the policy within 18 months after the date of loss. The time limitations of this subsection are tolled during any term of deployment to a combat zone or combat support posting which materially affects the ability of a named insured who is a servicemember as defined in s. 250.01 to file a claim, supplemental claim, or reopened claim.

(3) For claims resulting from hurricanes, tornadoes, windstorms, severe rain, or other weather-related events, the date of loss is the date that the hurricane made landfall or the tornado, windstorm, severe rain, or other weather-related event is verified by the National Oceanic and Atmospheric Administration.

(4)(a) A notice of claim for loss assessment coverage under s. 627.714 may not occur later than 3 years after the date of loss and must be provided to the insurer the later of:

1. Within 1 year after the date of loss; or

2. Within 90 days after the date on which the condominium association or its governing board votes to levy an assessment resulting from a covered loss.

(b) For purposes of this subsection, the date of loss is the date of the covered loss event that created the need for an assessment.

(5) 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.

History.—s. 10, ch. 2011-39; s. 10, ch. 2021-77; s. 16, ch. 2022-271; s. 22, ch. 2023-172; s. 8, ch. 2024-139.

Notes of Decisions

Cited in 14 cases (13 in the last 5 years), 2020–2026 · leading case: Great Lakes Ins. SE v. Concourse Plaza A Condo. Ass'n, Inc. (S.D. Fla. 2022).

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Great Lakes Ins. SE v. Concourse Plaza A Condo. Ass'n, Inc. (S.D. Fla. 2022). · cites it 50× “Therein, Great Lakes seeks a declaration that Concourse Plaza’s failure to comply with Fla. Stat. § 627.70132 bars its claim for losses stemming from Hurricane Irma.”

Great Lakes Ins. SE v. Concourse Plaza A Condo. Ass'n, Inc. (S.D. Fla. 2021). · cites it 23× “Fla. Stat. § 627.70132 (2017).1 Because the Demand for Appraisal was sent more than three (3) years after the incident, Great Lakes seeks a “declaration that [Concourse] failed to timely provide statutory notice of its supplemental claim for damages, thereby rendering its demand…”

Patios West One Condo. Ass'n, Inc. v. Am. Coastal Ins. Co. (Fla. 3d DCA 2024). · cites it 19× “” § 627.70132, Fla. Stat. (2017). Both below and on appeal, ACIC relied primarily on Goldberg, 302 So.”

Brandon Goldberg v. Universal Prop. & Cas. Ins. Co. (Fla. 4th DCA 2020). · cites it 8× “§ 627.70132, Fla. Stat. (2017) (emphasis added).”

Great Lakes Ins. SE v. Concourse Plaza A Condo. Ass'n, Inc. (S.D. Fla. 2022). · cites it 7× “Plaintiff continues that Defendant’s claim for appraisal is barred by the deadlines set forth in Fla. Stat. § 627.70132 . See id. ¶ 4. Defendant’s Motion does not establish that there is no genuine issue of material fact regarding Defendant’s compliance with Fla.”

Great Lakes Ins. SE v. Concourse Plaza A Condo. Ass'n, Inc. (11th Cir. 2024). · cites it 6× “” The letter also advised that Great Lakes should “consider this correspondence as the Insured’s notice of its intent to pursue additional insurance benefits under the Policy for the Loss” in accordance with both the policy’s notice provisions and Fla. Stat. § 627.70132 . On…”

Great Lakes Ins. SE v. Concourse Plaza A Condo. Ass'n, Inc. (S.D. Fla. 2024). · cites it 6× “Therein, Great Lakes sought a declaration that Concourse Plaza failed to comply with Fla. Stat. § 627.70132 , barring Concourse Plaza’s claim for losses stemming from Hurricane Irma.”

SFR Servs., LLC v. Am. Coastal Ins. Co. (M.D. Fla. 2025). · cites it 5× “The Policy, tracking section 627.70132, Florida Statutes,3 provides that “[a] claim, supplemental claim, or reopened claim for loss or damage caused by windstorm or hurricane is barred unless notice .”

Richard Lemon & Leanne Lemon Vs People's Trust Ins. Co. (Fla. 5th DCA 2022). · cites it 3× “This language essentially mirrors that of section 627.70132, Florida Statutes (2016), which defines “supplemental claim” as any additional claim for recovery from the insurer for losses from the same hurricane or windstorm which the insurer has previously adjusted pursuant to…”

Gulfpoint Constr. Co., Inc. v. Westfield Ins. Co. (M.D. Fla. 2023). · cites it 3× “604, for loss or damage caused by the peril of windstorm or hurricane is barred unless notice of the 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.”

Maritza Castro & Nancy Maura v. Citizens Prop. Ins. Corp. (Fla. 3d DCA 2023). · cites it 2× “perty was rented at the time of Hurricane Irma; the tenant did not notify her of any damage following Irma; she did not become aware of the damage to her property until February 2020 when her tenant moved out of the property; and she promptly notified Citizens upon becoming…”

Federated Mut. Ins. Co. v. Infinite Pool Finishes, LLC (M.D. Fla. 2022). · cites it 2× “) Federated also argues that Infinite Pool’s insurance claim may be untimely under Fla. Stat. § 627.70132 thus further precluding coverage.”

Show all 14 citing cases →

— 627.70132(1) — 1 case

Richard Lemon & Leanne Lemon Vs People's Trust Ins. Co. (Fla. 5th DCA 2022). “This language essentially mirrors that of section 627.70132, Florida Statutes (2016), which defines “supplemental claim” as any additional claim for recovery from the insurer for losses from the same hurricane or windstorm which the insurer has previously adjusted pursuant to…”

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