Smart Ways to Handle Property Damage Claims in Orlando, Florida

Orlando’s subtropical climate, aging infrastructure, and seasonal storms mean property damage is not a question of if—but when. From cracked foundations to mold infestations or hurricane-related roof damage, property owners across Orange County are frequently left wondering how to navigate the insurance claim process without being shortchanged.

If you’ve experienced property loss or damage and need to file a claim, this guide explains how to handle the process the right way, when to hire an attorney, and what state laws protect you as a property owner in Florida.

The Growing Problem of Property Damage in Orlando

Orlando faces a wide range of property threats, including hurricanes, high humidity, and sudden sinkholes. According to the Florida Office of Insurance Regulation, property damage claims have increased significantly in Central Florida, especially due to tropical storm systems and aging housing stock.

Key causes of damage in the Orlando area include:

• Hurricane and tropical storm winds

• Hail and lightning strikes

• Sewer backups and plumbing leaks

• Mold due to high indoor humidity

• Storm surge flooding near lakes or rivers

• Structural issues in older homes

The Florida Division of Emergency Management designates Orange County as a moderate-to-high risk zone for natural disasters, particularly hurricanes, making proactive claims knowledge critical for local property owners.

Most Common Claim Issues Faced by Orlando Residents

Homeowners and business owners alike face repeated roadblocks when dealing with insurance companies. Some of the most common challenges include:

• Delayed responses from insurers beyond Florida’s legal timeline

• Lowball offers that don’t cover the true cost of repairs

• Denials based on vague policy language or lack of “sudden” damage

• Requests for unnecessary documentation to stall the process

• Coverage confusion around mold, water intrusion, or code upgrades

Unfortunately, insurers are often more focused on their bottom line than helping you rebuild.

Know Your Legal Rights in Florida

Florida has clear regulations for how insurers must handle property claims:

• 14-Day Rule (Florida Statute §627.70131): Insurance companies must acknowledge a claim within 14 days.

• 90-Day Rule: They must fully pay or deny the claim within 90 days.

• Attorney’s Fee Recovery (Florida Statute §627.428): If you sue and win, the insurance company pays your legal fees.

• Prompt Repair Obligations: Insurers must not delay settlement to avoid repair responsibilities.

For detailed consumer protection tips, refer to the Florida Chief Financial Officer’s website, which outlines step-by-step what to do before, during, and after filing a claim.

Steps to Take When Filing a Property Damage Claim in Orlando

Whether your home is in Pine Hills, Lake Nona, or Winter Park, you’ll want to follow these best practices:

1. Document All Damage Immediately

Take high-quality photos and videos of affected areas before making temporary repairs. Keep receipts for hotel stays or contractor visits.

2. Review Your Insurance Policy

Many homeowners are unaware of key exclusions or deductible amounts. Get a full copy of your policy and seek help understanding the fine print if needed.

3. File Promptly

Contact your insurance company immediately. Florida’s statute of limitations gives you up to 2 years to file most claims—but acting fast improves your odds.

4. Request an Independent Estimate

Don’t accept the first number from your adjuster. Get an estimate from a licensed, independent contractor who knows current costs and local repair standards.

5. Keep a Claim Journal

Write down every phone call, date, name, and promise made. If your claim stalls, this log will support your case.

When to Hire a Property Claim Attorney

If your claim has hit a roadblock, it may be time to call a lawyer. You should consider legal help if:

• Your insurer has denied the claim outright

• You’ve received a payout that’s clearly insufficient

• Your insurer is not communicating or stalling

• You’re facing structural or complex damage requiring large sums

• You need to reopen a previously settled claim with new evidence

A property claim attorney can step in to apply legal pressure, present compelling evidence, and—if needed—file a lawsuit to protect your property rights.

How Louis Law Group Can Help

Louis Law Group serves Orlando property owners who’ve been wronged by their insurance companies. Their experienced attorneys help clients recover full compensation for property damage due to fire, floods, mold, storm events, and more.

Their legal team can:

• Investigate your damage and hire independent adjusters

• Interpret confusing policy terms

• Negotiate directly with your insurance provider

• Take your case to court if necessary

Read their free guide here: How to File a Property Damage Insurance Claim

Frequently Asked Questions

Q: Can I reopen an old insurance claim in Florida?

Yes, in many cases you can reopen a claim within 3 years if new damage is discovered or your situation worsens.

Q: What if the damage was caused by a plumbing issue, not a storm?

Water damage is often covered, but you’ll need to show it was “sudden and accidental.” Gradual damage may be excluded.

Q: What should I do if my adjuster missed part of the damage?

Hire your own contractor or public adjuster to provide an alternative report and submit it for reassessment.

Q: Can I appeal an insurance claim denial in Florida?

Yes. You can request mediation through the Florida Department of Financial Services or hire an attorney to fight it in court.

Q: How long does a property claim settlement typically take?

Insurers have 90 days to respond under Florida law, but settlements can take longer if disputes arise.

Conclusion

Filing a property claim in Orlando isn’t just paperwork—it’s your path to rebuilding your home, your peace of mind, and your financial stability. Whether your damage is minor or catastrophic, knowing the steps to take and your legal rights can make the difference between a denied claim and a successful payout.

Is your insurance company standing in the way of your recovery?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.