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October 12, 2023
4 min read time

How Long Does It Take To Get Insurance Help After A Hurricane?

In the wake of a devastating hurricane, one of the most critical concerns for Florida homeowners is claiming their insurance money so they can start making repairs. The question on everyone's mind when it involves the hurricane insurance claims process is: How long does it take to get insurance money after a hurricane?


  1. Understand Florida Statutes: Florida Statute 627.70131 sets forth that insurance claims should either be paid or denied within 60 days of the insurance company receiving the claim notification. Keep this timeline in mind.
  2. Bridge Communication Gaps: Keep in touch with your insurance company or adjuster, as a lack of interaction may cause confusion or delays. Insurance companies have the responsibility to admit or deny your insurance claim within the given 60 timeframe, and they are also required to respond to your communication within 7 days.
  3. Secure Assistance: Knowledge of the right statutes isn't the end of the process; there's also the application of the law, where you may need professional help. Engage a professional representative such as Murray Law Group to contest any underpayments or denials and to ensure you receive the full value of your property insurance claim.


Does the insurance company have a deadline to issues a payment? Yes, they do. As a homeowner, it's essential to understand your rights under Florida law. The state outlines explicit timelines that insurance companies must follow when investigating and paying claims related to hurricane damages. According to Florida Statute 627.70131, an insurance claim should be paid or denied within 60 days after the insurer receives notice of the claim.

insurance-claim-form-moneyHowever, the process is not always smooth sailing. One common obstacle that claimants face is poor communication from the insurance company or the adjuster. Homeowners are often left in the dark and unsure of the status of their claim, but a trusted representative like the Murray Law Group can help.

With our industry experience, we can help claimants navigate the complexities inherent in recovering insurance money after a hurricane. Effective communication is key. At Murray Law Group, we assist our clients in understanding each step of the process, enabling them to make informed decisions about their claims.


Unfortunately, it is not uncommon for Florida property insurance companies to inadequately adjust claims or outright refuse to pay out. In these situations, homeowners are left grappling with significant losses that their insurance policy should cover.

At Murray Law Group, we've encountered numerous such instances and successfully contested them. Take the case of a homeowner, for instance, whose home was severely damaged by hurricane-force winds. The homeowner was entitled to total damages under their policy, but the insurance company refused to adjust the claim adequately. Once a lawsuit was filed, the claim was successfully resolved, with the insurer paying the full amount of $125,500 in damages plus attorney’s fees and costs.


The process of claiming insurance money after a hurricane can often seem daunting. However, knowledge is power. Understanding your rights under Florida law and being aware of the hurdles you might face during the claim process can provide some clarity and control.

Remember that Florida Statute 627.70131 outlines your insurer's duty to communicate effectively. If they fall short, or your claim is denied, delayed, or underpaid, it might be time to seek help. Murray Law Group is a trusted advocate in Florida Property Insurance Disputes. Our deep industry knowledge combined with our commitment to client service ensures a tailored approach that prioritizes our clients' concerns.

Navigating the aftermath of a hurricane is tough, but claiming your insurance money doesn't have to be. With the right support and a thorough understanding of the process, homeowners can weather the storm and begin to rebuild their lives.


We know how challenging it can be to navigate the process of acquiring your insurance money after a hurricane. Throw in denied claims, underpayment, and lack of communication, and the process becomes even more daunting. But rest assured, with the aid and guidance of Murray Law Group, you'll have a helping hand to guide you through and stand up against any Florida property insurance company.

Remember, we’re committed to safeguarding your rights and holding your insurance company accountable for its promise to you the policyholder.

Murray Law Group - your trusted advocate in Florida Property Insurance Disputes