How long do you have to claim hurricane damage?

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For wind damage, the same homeowners policy rules apply as for any storm: prompt notice, a policy window that is often one or two years for wind claims, and a lawsuit limit that is commonly two years in Georgia policies. Flood is stricter: a National Flood Insurance Program policy generally requires a signed proof of loss within 60 days of the loss unless FEMA extends it, and FEMA disaster aid has its own registration deadline. Homeowners policy: wind damage Notice: report promptly. After a hurricane, claim lines are swamped, so report online or through the app if phones are jammed, and save confirmation numbers. Proof of loss: if the insurer requests a sworn proof of loss, common policy wording gives you 60 days to return it. Lawsuit deadline: often two years from the date of loss in Georgia policies. Depreciation: replacement cost policies set their own repair and notice deadlines. Flood policy: rising water The NFIP's standard policy generally requires a signed proof of loss within 60 days after the loss. After major hurricanes, FEMA often extends that deadline, but do not count on it. Report the flood claim immediately and work with the flood adjuster on the proof of loss. FEMA disaster assistance After a presidential disaster declaration, FEMA sets a registration deadline for individual assistance, often about 60 days from the declaration. Register even if your insurance claims are still open; FEMA aid fills gaps insurance does not cover. Georgia insurer deadlines Georgia's claim rules generally require insurers to acknowledge a property claim within 15 days and to accept or deny within 60 days of no

How long do you have to claim hurricane damage?

Homeowners policy: wind damage

Flood policy: rising water

FEMA disaster assistance

Georgia insurer deadlines

Protect the claim while you wait

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