Q: Our roofs are original construction. Following Hurricane Irma in 2017, we did not see any noticeable damage and so we did not file an insurance claim. We just spent a lot of money repairing water damage stemming from the roof and the contractor indicated that the roof may be compromised. Is it too late to file an insurance claim? J.W., Naples
A: No, it is not too late, but time is running out. Many of our clients suffered severe and noticeable damage immediately after the storm and were able to immediately file an insurance claim. Others immediately filed a claim, but the insurance companies are denying coverage or at least challenging the scope of coverage or the scope of damage. Like you, we have also seen a rush of phone calls in recent weeks by condominiums that did not immediately file a claim, but now have evidence or an opinion that the roofs, windows or other components of the building were damaged by Hurricane Irma and the high winds associated with the storm. Often times, the neighborhood right next door may have had noticeable damage and received millions of dollars to repair their buildings. In other words, you endured the same winds and may have sustained significant damage from the storm, but that damage may not have been immediately noticeable.
If you believe there is damage, it is critical that you file a claim with your insurance carrier within three years of the storm, or by September 2020. There are other deadlines which may be applicable and therefore you should consult with your legal counsel on your specific situation, but there is a limitation period.