In case you missed our recent webinar on Florida Prejudice in Late-Reported Property Claims, here are the key takeaways for Florida adjusters:

Florida applies a two-step analysis when evaluating late-reported claims:

1. Timely Notice: There’s no bright-line rule — it’s a fact-specific inquiry based on what a reasonable insured knew or should have known. Known events and visible damage often trigger earlier reporting obligations, and deductible uncertainty does not excuse delay.

2. Presumed Prejudice: If notice is late, prejudice to the carrier is presumed, and the burden shifts to the insured to overcome it in most Florida jurisdictions

Best Practices:

✔️ Thorough field investigation

✔️Clear requests for documentation

✔️ Detailed insured testimony

✔️ Strategic expert involvement

✔️ Strong documentation review