Deadlines, insurer response times, coverage rules, disputes, condo and HOA rules, public adjuster rules, what happens if an insurer fails, and the storms that shaped each state. Every fact links to the statute, regulation or agency it comes from.
Know your rights in Florida
- Report a new or reopened claim: Within 1 year after the date of loss
- Report a supplemental claim: Within 18 months after the date of loss
- Insurer acknowledges your claim: Within 7 days
Claim deadlines · Your insurers · Coverage rules · Disputes · Condos and HOAs · Public adjusters · If your insurer fails · Storms
Open Florida →Know your rights in New Jersey
- Insurer acknowledges your claim: Within 10 working days of notice
- Insurer begins investigating: Within 10 working days of notice of the claim
- Insurer pays the claim: Within 30 calendar days after it receives properly executed proofs of loss, unless a clear justification exists; if not, written notice and updates every 45 days
Claim deadlines · Your insurers · Coverage rules · Disputes · Condos and HOAs · Public adjusters · If your insurer fails · Storms
Open New Jersey →In the app, the rules meet your policy.
The same facts power the free Adjuster Advantage app. Policy Scan™ checks your own policy for the gaps these rules point to, like water damage limits, matching limits and a high hurricane deductible. Insurer Watch™ shows your insurer’s numbers from the state. Recovery Hub lights up when FEMA declares a disaster for your county.
Have a claim now?
Call Homeland first: (305) 783-3777 Florida · (732) 517-3777 New Jersey, 24/7. Hablamos español.
THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.
Joining Adjuster Advantage is free and does not create a contract or agreement with Homeland Public Adjusters for any claim. Hiring Homeland is optional and requires a separate written agreement. Adjuster Advantage is not insurance, not a warning service and not a claim filing. Follow official emergency instructions and call 911 in an emergency. Adjuster Advantage™ is a membership program of Homeland Public Adjusters Corporation, a licensed public adjusting firm. FL agency license W818638 · NJ firm license 3003982360.