Beach house torn open by a hurricane, with debris and sand covering the street in a Florida coastal neighborhood

FLORIDA & NEW JERSEY · STORM CLAIM DEADLINES

Hurricane and Storm Claim Deadlines in Florida and New Jersey

Which storms you can still file for, and which claims can still be disputed: Isaias, Milton, Helene, Debby, Idalia, Ian and Nicole.

Short answer: in Florida, Hurricane Isaias (October 9, 2026) is the only recent hurricane you can still file a new claim for, until October 9, 2027. For Milton, Helene, Debby, Idalia, Ian and Nicole, the deadlines to file new and supplemental claims have passed, but a claim that was noticed on time can still be disputed, and taken to court within 5 years of the date of loss. In New Jersey, the time to sue is set mostly by your policy. Call Homeland first: (305) 783-3777 in Florida, (732) 517-3777 in New Jersey, 24/7.

Last reviewed: October 2026

Start My Claim Review My Claim

Florida’s Three Clocks

New or reopened claim: notice within 1 year after the date of loss

Supplemental claim: notice within 18 months after the date of loss

Lawsuit: within 5 years from the date of loss, on a claim noticed on time

Date of loss for a hurricane: the date it made landfall

These are the current rules in Section 627.70132 (notice) and Section 95.11(2)(e) (lawsuits). Claims from storms before December 16, 2022, were under earlier, longer notice periods, which have also run out for those storms.

Sources: Section 627.70132, Florida Statutes · Section 95.11(2)(e), Florida Statutes

Florida Storms: Where Each One Stands

Storm (landfall)	New claim	Supplemental	Lawsuit on a timely claim
Isaias (Oct 9, 2026, near Destin)	Open until Oct 9, 2027	Open until Apr 9, 2028	Until Oct 9, 2031
Milton (Oct 9, 2024, Siesta Key)	Closed Oct 9, 2025	Closed Apr 9, 2026	Until Oct 9, 2029
Helene (Sep 26, 2024, near Perry)	Closed Sep 26, 2025	Closed Mar 26, 2026	Until Sep 26, 2029
Debby (Aug 5, 2024, near Steinhatchee)	Closed Aug 5, 2025	Closed Feb 5, 2026	Until Aug 5, 2029
Idalia (Aug 30, 2023, near Keaton Beach)	Closed Aug 30, 2024	Closed Feb 28, 2025	Until Aug 30, 2028
Nicole (Nov 10, 2022, near Vero Beach)	Closed	Closed	Until Nov 10, 2027
Ian (Sep 28, 2022, near Cayo Costa)	Closed	Closed	Until Sep 28, 2027

Flood insurance has its own, shorter rules. Under the federal flood policy, a signed proof of loss is due within 60 days after the loss unless FEMA extends it, and a lawsuit must start within one year after the written denial. For Isaias flood claims, 60 days from landfall is December 8, 2026, unless FEMA announces an extension.

New Jersey: Your Policy Sets the Clock

New Jersey has no statute like Florida’s that sets a deadline to give notice of a property claim; policies require notice promptly, so call Homeland first and we give the notice for you. The deadline that matters most is the time to sue:

The default is 6 years for a claim on an insurance contract (N.J.S.A. 2A:14-1), but a policy can shorten it, and courts enforce the shorter period

Many policies say 12 months, following the standard fire policy (N.J.S.A. 17:36-5.20)

That 12 months pauses from the time you give notice until the insurer formally denies the claim (Peloso v. Hartford Fire, 1970)

Some policies allow 2 years through a New Jersey endorsement, and some count from the denial instead of the date of loss; read the “Suit Against Us” condition

Recent New Jersey storms with insured damage include the February 22–23, 2026 winter storm, the October 2025 nor’easters, Hurricane Erin (offshore, August 2025), and the July 2025 flash floods. For a 12-month policy, losses from late October 2025 are reaching that mark now, unless the clock was paused by an open claim.

Sources: Gutierrez v. American Bankers Ins. Co. (N.J. App. Div. 2024, unpublished) · Capehart Scatchard on Peloso tolling

Storm Claim Deadline FAQs

Which Florida hurricane can I still file a new claim for?

Hurricane Isaias, which made landfall near Destin on October 9, 2026. Notice of a new claim is due by October 9, 2027, and a supplemental claim by April 9, 2028.

The deadline to file passed. Is my claim dead?

Not if you gave notice in time. A timely claim can still be negotiated, taken to appraisal or mediation, and taken to court within 5 years of the date of loss in Florida.

Is the New Jersey deadline always 12 months?

No. The default is 6 years, but most homeowners policies shorten it, often to 12 months, sometimes to 2 years. The 12 months pauses while the claim is open until the insurer formally denies it. Your policy wording decides.

What does a deadline review cost?

Nothing. Send us the policy and the letters and we tell you where your claim stands. If we take the claim, it is No Recovery, No Fee.

General information, not legal advice. Deadlines depend on your policy and the facts of your claim; for a lawsuit deadline, talk to an attorney. Homeland Public Adjusters is a public adjusting firm, not a law firm.

Hurricane Isaias claims Hurricane Milton claims Hurricane Helene claims Every claim deadline, explained

Storm claim? Florida line

Call (305) 783-3777, 24/7

In New Jersey

Call (732) 517-3777, 24/7

Talk to a Public Adjuster

How Can We Help You Recover?

Have photos? Start My Claim →Denied or underpaid? Review My Claim →What does my policy cover? Scan My Policy →

Tell us about your loss. We’ll call you back.

Claims We Handle

Hurricane & Wind Damage→Flood Damage→Fire Damage→Water Damage→Winter Storm & Roof Damage→Theft & Vandalism Damage→Vehicle Impact Damage→Business & Commercial→Other Claims→Denied & Underpaid→

FREE MEMBERSHIP

Get the Adjuster Advantage™ App

Get the App

Board or manager? AA Associations →

Property Damage Claims We Handle

Homeowners, condo associations, landlords and businesses bring us these claims across Florida and New Jersey.

Hurricane & Wind Damage Claims Water Damage Claims Fire & Smoke Damage Claims Flood Damage Claims Denied & Underpaid Claims Condo & HOA Association Claims Business & Commercial Claims

How Can We Help You Recover?

Have a Property Damage Claim?

Upload your photos, the insurer’s estimate or a denial letter. A licensed public adjuster reviews it for free and calls you back right away. No Recovery, No Fee.

Start My Claim →Review My Claim →Scan My Policy →

Or call 24/7: (305) 783-3777 Florida · (732) 517-3777 New Jersey. Hablamos español.