Satellite precipitation map of Hurricane Milton over the Gulf of Mexico approaching Florida on October 9, 2024

TAMPA BAY & SOUTHWEST FLORIDA · HURRICANE MILTON

Hurricane Milton Insurance Claims: Help With Open, Denied and Underpaid Claims

For homeowners, businesses and condo associations still fighting a Milton claim in Sarasota, Manatee, Hillsborough, Pinellas and beyond.

Short answer: the deadlines to file a new or supplemental Hurricane Milton claim in Florida have passed. But if you gave notice in time and your claim is still open, was underpaid, or was closed without payment, it may not be over: Florida allows a lawsuit on a timely claim for 5 years from the date of loss, until October 9, 2029, and disputes over the amount can go to appraisal or mediation. Homeland reviews your Milton file for free. Call (941) 267-3777, 24/7. No Recovery, No Fee.

Last reviewed: October 2026

Review My Claim Sarasota (941) 267-3777

What Happened

Hurricane Milton made landfall near Siesta Key in Sarasota County at about 8:30 PM EDT on October 9, 2024, as a Category 3 hurricane with 120 mph winds. The President approved major disaster declaration FEMA-4834-DR on October 11, 2024, with individual assistance in 34 counties, including Sarasota, Manatee, Hillsborough, Pinellas, Pasco, Polk, Lee, Charlotte, DeSoto, Hardee, Highlands, Orange, Osceola, Seminole, Volusia, Brevard, Indian River, St. Lucie and Palm Beach.

Milton Claims by the Numbers

As of December 9, 2025, the Florida Office of Insurance Regulation (OIR) reported:

Measure	Hurricane Milton
Claims filed (all lines)	385,146
Residential property claims	304,408
Closed with payment	219,994
Closed without payment	134,177
Still open	30,975
Estimated insured losses	$5,615,415,911

The top reason OIR lists for claims closed without payment is “damage below deductible.” See our guide to a claim closed as below your deductible.

Sources: National Hurricane Center, Oct 9, 2024 · Federal Register, FEMA-4834-DR · Florida Office of Insurance Regulation, data as of Dec 9, 2025

Milton Deadlines in Florida

Step	Deadline	Status
Notice of a new or reopened claim (1 year after landfall)	October 9, 2025	Passed
Notice of a supplemental claim (18 months after landfall)	April 9, 2026	Passed
Lawsuit on a timely-noticed claim (5 years from the date of loss)	October 9, 2029	Open

How the dates are set. For a hurricane, Florida law sets the date of loss as the date the hurricane made landfall. Notice of a new or reopened claim is due within 1 year after that date, and a supplemental claim within 18 months. A lawsuit for breach of a property insurance contract must be filed within 5 years from the date of loss, and only on a claim whose notice was timely.

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

What You Can Still Do About a Milton Claim

Claim still open? We step in, document what the insurer has not included, and negotiate the full amount

Paid too little? A dispute over the amount may go to appraisal, if your policy has it, or to Florida’s free DFS mediation program

Closed without payment or denied? We review the letter, the policy and the estimate, and tell you plainly whether there is something to pursue

Thinking about a lawsuit? The 5-year window runs to October 9, 2029; an attorney handles the suit, and a well-documented claim is what it rests on

Condo unit owner facing a special assessment? Loss-assessment coverage has its own notice rule (Section 627.70132(4)); ask us whether it applies to yours

Upload your denial letter, estimate or policy to Review My Claim for a free first read. See every option after a denial or low offer and how appraisal works in Florida.

Hurricane Milton Claim FAQs

Can I still file a Hurricane Milton claim?

Not a new one. Notice of a new or reopened claim was due by October 9, 2025, and a supplemental claim by April 9, 2026 (Section 627.70132, Florida Statutes). If you gave notice in time, your existing claim can still be negotiated, taken to appraisal or mediation, or taken to court until October 9, 2029.

My Milton claim was closed without payment. Is it over?

Not necessarily. The reopen deadline has passed, but if notice was timely, the claim can still be disputed. Send us the closing letter and the estimate, and we will tell you what the file supports.

How long do I have to sue over a Milton claim?

Florida allows 5 years from the date of loss for a lawsuit on a property insurance contract (Section 95.11(2)(e)), so October 9, 2029, for Milton, on claims that were noticed on time. A public adjuster does not file lawsuits; we prepare the documentation an attorney relies on.

What does it cost?

Nothing up front. We work on a No Recovery, No Fee basis, and Florida law caps public adjuster fees. See public adjuster fees.

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.

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