Hurricane Irma Claim Deadline 9/10/2020

Hurricane Irma Claim Deadline is Fast Approaching as we near the 3-year Anniversary.

Hurricane Irma was one of the most widespread disasters that we have seen in Florida.  Our firm alone assisted policyholders with claims from as far south as Key West all the way up through Northern Florida and everywhere in between…this was a beast of a storm that affected numerous home and business owners throughout Florida.

We are still assisting many policyholders that are disputing claims that they feel were improperly denied or underpaid (many received letters stating that their damages fell below the deductible) as well as many that are just now realizing they have damages from Hurricane Irma.  There are deadlines fast approaching that all businesses and homeowners should be aware of, whether you have filed a claim yet or not.  Below is an excerpt from a random policy (yours may be written differently) that you should be aware of as with past Hurricanes you likely had 5 years and now, it has been reduced to 3 years to report or dispute your claim as follows…

  A claim, supplemental claim, or
reopened claim for loss or damage
caused by the peril of windstorm or
hurricane is barred unless notice of
the claim, supplemental claim, or
reopened claim is given to us 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 losses from
the same hurricane or windstorm
which we have previously adjusted
pursuant to the initial claim;

All policies can differ in their language a bit but the 3 year time period to report or dispute a hurricane claim is standard throughout Florida Property Insurance policies.

Why would you wait until now to file your Hurricane Irma Claim?

From our experience, we have seen that most people will only file a hurricane claim if there was obvious damage or their roof leaked.  Most people don’t climb on their roofs nor would they know what to look for aside from the obvious missing tiles or shingles.  Damage to roofs is not always visible from the ground, especially when dealing with tile roofs.  Based on what we have seen, a very high percentage of tile roofs throughout southern and central Florida were compromised to some extent.  Many of these roofs are only now starting to leak, however, many have not yet leaked which leads many people to think that their roof is in good condition.  The time to inspect your property is now.

The engineer sent by my insurance company said my roof did not have any Hurricane Irma Damage.

Do not take their word for it.  It is extremely unusual for an insurance company friendly engineer to say that wind caused damage to a roof, typically it is going to be anything but the wind that caused the damage to the roof, in their opinion (you know what they say about opinions…).  Their word is not the end nor should you give up due to what they state in their report.  We have successfully assisted numerous clients that have received such reports from their insurance company along with a denial or under the deductible letter.  Assuming we are able to document damages that appear to be wind-related, these reports can be and often are rebutted successfully.

There was a great 60-Minutes segment on point, you can read more about the cozy relationship that these engineering firms have with their insurance company clients here.

Many policyholders have advised us that they are afraid to file a Hurricane Claim as they don’t want their rates to rise.

This is the type of thinking that insurance companies love to hear.  We have had many clients report to us that upon trying to file a claim, the customer service representative would say things to dissuade them from filing the claim.  Passing along misinformation such as “your rates will go up”, “it doesn’t sound like that will exceed your deductible”, etc…  To be perfectly clear, after a hurricane, the entire region is typically going to see rate increases as the risk is not specific to the people that chose to file claims, it is across the board for people that live in these Hurricane Prone areas.

The time to have your roof inspected by a professional for potential damage from Hurricane Irma is now.

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What our clients say…


    Claim Concept is a phenomenal company.This company and its staff really put their customers first.I would not hesitate to recommend this company and their staff to anyone who needs their service.I have used their service and I am 100%satisfied customer.......H Mclaughlin. - 10/02/2019 

    Laura M. AvatarLaura M.

    Greg and Eric made a terrible situation with my insurance company tolerable. They were able to get a fair loss layout so I can restore my home after slab leaks. Thank you both for all of your help. You guys are great - 10/02/2019 

    Brent W. AvatarBrent W.

    When you find yourself with such a loss and are unsure of who to trust to help get you back on your feet, look no further than Claim Concepts. It was my first time ever needing to file a claim and knowing who to trust was the biggest concern. I searched numerous adjustors and landed on Claim Concepts. Eric ran the point for my case, but the team concept approach they use is fantastic. Very knowledgeable company and took care of us in a time of need. Honesty, integrity, trustworthy and caring. I would recommend them to anyone in need of such services - 3/13/2020 

  • me m. Avatarme m.

    Great effort by Greg and Eric . Really did a fine job for us by collecting the amount needed to repair house. - 10/23/2018 

    Blair B. AvatarBlair B.

    Claim Concepts truly saved me with a recent insurance claim. Without their assistance I would have had to come out of pocket A TON for repairs that insurance initially denied and later ended up covering. Jesse and Greg were such a pleasure to work with; although, "work with" is an over exaggeration as I just sat back while everyone at Claim Concepts took care of absolutely everything with my claim. I cannot recommend them strongly enough. I hope not to have any more insurance claims, but if I do, there is no question that I will be immediately calling Claim Concepts. - 10/02/2019 

    Stephen R. AvatarStephen R.

    Great people to work with. We had a flood from a broken pipe and the insurance company was not giving us enough money to pay for repairs. We hired Claim Concepts to handle the case and in the end we almost doubled the money originally offered by the insurance company! And, that was after paying the fee to Claim Concepts! Repairs are being made as I write. Thanks Gregg and Eric! - 10/06/2017 

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