Timing is key with prompt notice

As we get ready for Hurricane season, many homeowners buy supplies in order to prepare for a loss, but how soon should you alert your insurance provider if a loss does occur?

In Florida, Insureds must provide prompt notice to their insurance carriers. It is well settled, however, that “prompt” and other comparable phrases, like “immediate” and “as soon as practicable,” do not require instantaneous notice.  Instead, Florida courts have interpreted these phrases to mean that notice should be provided “with reasonable dispatch and within a reasonable time in view of all of the facts and circumstances of the particular case.”

Laquer v. Citizens Prop. Ins. Corp., 167 So. 3d 470, 474 (Fla. 3d DCA 2015)

The failure to give prompt notice can severely impact the ability to recover on a claim.

If you have any questions about a loss, contact our office for a free initial consultation.

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