It Has Been One Year Since Hurricane Irma: Have You Filed Your Insurance Claim, Or Resolved Your Insurance Dispute?
It Has Been One Year Since Hurricane Irma: Have You Filed Your Insurance Claim, Or Resolved Your Insurance Dispute? Jul 28, 2025 September 10 marks the one-year anniversary of Hurricane Irma and the devastation it left in Florida. As we circle back to this date, it is crucial for a number of families and businesses that experienced damages due to the hurricane to think about potential hurricane claims, insurance policies, and deadlines to recover benefits. After Irma, many businesses were simply focused on getting back up and running again. Filing an insurance claim was, for many, an overwhelming task to add to the chaos, especially given the many questions that had to first be answered before the claim could even be filed; questions such as: what losses can/should be claimed, under what provisions, am I covered for flood issues, etc. This only became more complicated by the many responses received by insurance companies, which sometimes refused to honor claims altogether—indicating that the policyholder had no coverage—for unclear reasons. Below we discuss some of the issues that you and your attorney should discuss in attempting to identify any potential past and future claims: Figuring Out Business Interruptions When trying to figure out whether your business experienced any interruption, and if so, when that began, your instinct might be to assume that this is the date Irma made landfall. However, in order to properly protect yourself, you need to be a bit broader in this perspective, as also look at how business was disrupted long before even the first wind reached shore. For example, in many parts of Florida—including areas such as Miami-Dade County—businesses and residents were also under strict evacuation order before Irma fell. You will also want to discuss the following issues with your hurricane insurance claim attorney: the period of time necessary to rebuild, repair, or replace the damaged property, the length of time that lost income is covered, any areas of uncertainty, such as accounting history to establish revenue from prior years, etc. What about the Statute Of Limitations? While the statute of limitations for breach of contract under Florida law is five years, there are often exceptions hidden within the insurance policy itself. Some policies effectively replace the state statute of limitations with extremely short windows, such as providing only one year to file a lawsuit over any unpaid proceeds. Other surprises can stem from when this period starts to run—i.e. does it run from the date Irma made landfall, or when the insurer issued its coverage decision? This is connected to—and can similarly affect—policies that require pre-suit mediation, or impose waiting periods if negotiations have failed. As a result, some policyholders do have to decide—sooner rather than later—whether to accept an offer, abandon a claim, or litigate. Do not try to Navigate in the Dark: Speak with an Experienced Hurricane Insurance Claim Attorney If you suffered due to hurricane Irma, do not let yourself be overwhelmed by surprises. Contact one of our experienced Florida hurricane insurance claim attorneys at HD Law Partners to get the help you need from the insurance policy you have dutifully paid in order to rebuild your life. Resource: law.com/dailybusinessreview/2018/08/14/clock-ticks-for-irma-insurance-claims-dont-leave-money-on-the-table/ Tags: Florida Hurricane Claim Attorney, Florida Hurricane Claim Attorneys, Hurricane Claims Posted in Hurricane Claims | No Comments » Connect with us Archives May 2026 April 2026 March 2026 February 2026 January 2026 December 2025 November 2025 October 2025 September 2025 July 2025 June 2025 January 2025 January 2024 December 2023 November 2023 October 2023 September 2023 August 2023 July 2023 June 2023 May 2023 April 2023 March 2023 February 2023 January 2023 December 2022 November 2022 October 2022 September 2022 August 2022 July 2022 May 2022 April 2022 March 2022 November 2021 October 2021 September 2021 August 2021 July 2021 May 2021 April 2021 March 2021 February 2021 January 2021 December 2020 November 2020 October 2020 August 2020 July 2020 June 2020 May 2020 April 2020 March 2020 February 2020 January 2020 December 2019 November 2019 October 2019 September 2019 August 2019 July 2019 June 2019 May 2019 April 2019 March 2019 February 2019 January 2019 December 2018 November 2018 October 2018 September 2018 August 2018 July 2018 June 2018 May 2018 April 2018 March 2018 February 2018 January 2018 December 2017 November 2017 October 2017 September 2017 August 2017 July 2017 June 2017 May 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 November 13 Categories Alimony Appellate Arbitration Auto Accidents Auto Insurance Business Corporate Business Insurance Law Child Custody Child Support Criminal Law Divorce Family Law FEMA Insurance Payments Florida’s Mandatory 2‑Hour Legal Professionalism CLE: Foreclosure Defense Fort Myers Hurricane Insurance Attorney General Guardianship HD Law Partners Service HOA/Property Management Homeowners Association Homeowners Insurance Hurricane Claims Hurricane Insurance Insurance Bad Faith Insurance Claims Insurance Defense Insurance Litigation Landlord Tenant Law Enforcement Liability Loan Modifications Mold Water Damage Parental Rights Paternity Personal Injury Premises Liability Law Prenuptial Agreements Private Security Property Distribution Property Owner Law Sarasota Insurance Litigation Attorney Slip Fall Tampa Business and Corporate Attorneys tampa family attorney Tampa Insurance Attorneys Timeshare Timesharing Uncategorized HD Law Partners is proud to be your trusted full-service law firm Quick Links Property & Casualty Business & Corporate Litigation Family Law Contact Us Careers Get In Touch 2002 North Lois Avenue Suite 510 Tampa, FL 33607 813-253-5333 Contact Us