Supplemental insurance claims are growing more common among property owners in Florida.  More than half the time,  policyholders are forced to file a supplemental insurance claim because their insurance companies don’t give them enough money to cover damages

Sentry Public Adjusting has the answers to important questions about filing supplemental insurance claims, including:

  1. What is a supplemental insurance claim?
  2. How long do you have to file a supplemental insurance claim in Florida?
  3. What are the limitations of filing a supplemental insurance claim?
  4. How do you file a supplemental insurance claim?


1. What Is a Supplemental Insurance Claim?

Supplemental insurance claims are additional insurance claims filed after a previous insurance claim has been made. According to Florida Statute 627.70132, insurance policyholders have three years to file a supplemental claim. Even if a claim has been paid, If you find more damage to your home during repairs, you can file a supplemental insurance claim.

2. How Long Do You Have to File a Supplemental Insurance Claim in Florida?

Insurance policyholders have three years to file a supplemental insurance claim. Florida law states, “A claim, supplemental claim, or reopened claim under an insurance policy that provides property insurance, as defined in s.624.604 for loss or damage caused by the peril of windstorm or hurricane is barred unless notice of terms of the policy within three years after the hurricane first made landfall or the windstorm caused the covered damage.”

Most insurance policyholders believe that the insurance company’s first settlement is final, which is not true. Insurance policyholders have the right to negotiate for a higher settlement or to file for additional related damages for up to three years after the event that caused the initial damage.

3. What Are the Limitations of Filing a Supplemental Insurance Claim?

If you’re considering filing a supplemental insurance claim, consider hiring a public adjuster to review your insurance policy. A professional public adjuster can help clarify all of your insurance provider’s requirements for filing a supplemental insurance claim. A public adjuster can even help you stay on top of any new requirements that your insurance provider sets outside of your policy.

Sentry Public Adjusting can help eliminate the risk of your supplemental insurance claim being denied and increase your chances of receiving a full settlement. It’s no secret that insurance companies put their own interest first, and if they can prove that you are not compliant in any way with your policy, they can deny your claim. With this in mind, if you’re thinking about filing an insurance claim, you should start thinking about hiring a licensed public adjuster near you.

4. How Do You File a Supplemental Insurance Claim?

If you find incremental damage to your property and would like to file a supplemental insurance claim, you should consider hiring a local public adjuster. A licensed public adjuster can help you get the money you deserve and take on the burden of the insurance claim process.

Our licensed public adjusters are professionally trained to examine insurance policies and perform property-damage inspections and estimates. We also conduct a full claim analysis and formulate, document and file supplemental insurance claims on your behalf. We help our clients successfully negotiate fair insurance claims with insurance providers.

Sentry Public Adjusting works for you, not the insurance company. We have your best interest in mind, and our adjusters have decades of combined experience in the insurance and construction industries. We want to help you get your home or business back to its original condition. You shouldn’t be at the mercy of your insurance company. If you’d like to talk with one of our experienced licensed adjusters, call us today at 844-443-4357.