The simple answer to this question is NO!
You have up to five years to file a claim and/or re-open a previously filed claim. Since Hurricane Wilma took place on October 24, 2005; you technically have until October 24, 2010 to notify the Insurer Carrier you had at the time of Wilma that you would like to file a claim and/or are interested in re-opening a claim.
I will be cautious to advise that this is not a quick and easy process. Additionally, there are certain insurance companies, such as POE, that are no longer in business and it is too late to file a claim or re-open a claim with such carriers.
Our company has had great success re-opening up old claims from Hurricane Wilma. Recently, we were hired to re-open a residential claim for Hurricane Wilma in Fort Lauderdale, Florida. The Insured filed a claim after the storm for damage to their roof, fence, gazeebo and a great deal of interior damage to the property.
The Insurance company send out their own adjuster to assess the damage. He downplayed much of the damage and said that the roof was over 10 years old so the damage was pre-existing. Additionally, he said that because the damage was pre-existing, he was not going to pay for most of the interior damage. All said and done, he wrote an estimate for $7,000, just under their deductible of $8,500. The Insured's thought this was all they could do and left the claim alone.
Last year, we were contacted by these same Insured's who told us that many of their friends received a new roof after the storm and they were upset that they had not received any money.
Needless to say, we took on this claim and fought long and hard for 8 months before settling with their Insurance Company. We recovered over $95,000 for these clients. They were extremely pleased.
This is just one of the multiple examples of situations we deal with on a daily basis. We like to use our knowledge, skills and expertise in the field to ensure a full and proper recovery for our clients.
We would be more than happy to do the same thing for any Florida homeowner who wants to re-open their claim before the time runs out for doing so.
I must also reiterate, that if you have documentation, invoices, pictures, receipts, etc. for the monies expended and evidence of the damaged that occured, you are in a much better position.
Give us a call today so we can assist you with this process. Our team of professionals are trained and experienced in dealing with such claims.
Call us at (305) 467-5645 or visit us online at www.handlemyclaim.com
# # #
South Florida Public Adjusters represents policy holders during the tiresome and tricky insurance claim process. We have the knowledge and expertise to handle all types of claims including residential, commercial and loss of business.