What you do in the first 72 hours after denial matters most. Prioritize these:

• Take detailed photos and videos of all damage before cleaning or repairs
• Contact your insurer to open a claim and document every communication
• Keep receipts and logs for all expenses — even emergency repairs
• Review your policy for hurricane and windstorm coverage specifics
• If issues arise, contact a Florida attorney early to avoid mistakes or delays

Watch out for the following issues when dealing with your claim:

• Failing to notify your insurer promptly
• Cleaning up without first documenting the damage
• Signing contracts for repairs before reviewing insurance coverage
• Not tracking communication, receipts, or expenses
• Assuming you can’t get help from an attorney if things go wrong

• Florida insurers must acknowledge your claim within **7 days**
• They must make a coverage decision within **30 days** of Proof of Loss
• Final payment or denial is due within **60 days** — unless factors beyond their control delay the process
• File promptly — the longer you wait, the harder it becomes to recover losses
• Quick legal review can help preserve timelines