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Florida homeowners take a beating from hurricanes, severe thunderstorms, and hailstorms every year. This can cause roof damage, from single panels being ripped off to entire roofs being destroyed. If you need to file an insurance claim after a storm, Suli Law Group fights for the homeowners that insurers leave behind.
The legal landscape changed dramatically with Senate Bill 2A (December 2022) and related reforms. Key changes that affect every roof claim today:
• The notice of claim deadline shrank from 2 years to 1 year for initial claims
• The supplemental claim deadline shrank from 3 years to 18 months
• The statute of limitations to file suit remains 5 years from the date of loss
• Mandatory pre-suit notice at least 10 business days before filing
• Insurers must acknowledge claims within 7 days and pay or deny within 60 days
• One-way attorney fees against insurers were repealed
Insurance companies will do whatever it takes to underpay, delay, or deny your coverage on an insurance claim, including
• Blaming damage on wear and tear, age, or pre-existing conditions
• Imposing separate roof deductibles
• Stating damage was below the 2–5% hurricane deductible
• Disputing wind versus flood causation
• Citing “cosmetic damage” exclusions for hail
• Alleging late notice under the new 1-year window
Florida’s matching statute (Fla. Stat. § 626.9744) requires insurers to address mismatched repairs in adjoining areas. This is a provision insurers routinely ignore, so take advantage.
At Suli Law Group, we seek to get you some or all of the following:
Founding attorney Laura Sulisufay is a former insurance defense attorney. She built her career defending insurance companies. Now, she uses that insider knowledge against them. Our team knows exactly how adjusters value claims, where they cut corners, and what evidence forces a fair offer.
The notice deadline for initial claims shrank from 2 years to 1 year, and the supplemental claim deadline dropped from 3 years to 18 months. The statute of limitations to file suit remains 5 years from the date of loss.
Yes. Blaming damage on age, wear, or pre-existing conditions is one of the most common tactics carriers use to deny otherwise valid roof claims, and it can be challenged with proper inspection and storm-date evidence.
Under Fla. Stat. § 626.9744, insurers must address mismatched repairs in adjoining areas, meaning they can’t force a patchwork roof of mismatched shingles. Carriers routinely ignore this provision, so it’s worth asserting.
Insurers must acknowledge your insurance claim within 7 days and pay or deny it within 60 days, and a mandatory pre-suit notice must be served at least 10 business days before filing suit. Missing these can support further action against the carrier.
Full structural repair or replacement, code upgrades, additional living expenses, contents damage from water intrusion, mold remediation, and recoverable depreciation. These categories are typically available through an insurance claim when covered under your policy.
Suli Law Group exists to protect injured people and policyholders at their most vulnerable moments — combining insider knowledge of the insurance industry, relentless preparation, and direct attorney access with the compassion, integrity, and genuine care every client deserves. We pursue justice and accountability with strategy, precision, and heart.
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