Jira & Confluence 
Bitrix24 Hurricane Isaias, landfall near Destin, Florida — October 9, 2026. Category 2 landfall at about 9:30 p.m. EDT on October 9, 2026. Federal emergency declaration EM-3655-FL approved October 9; Florida requested a major disaster declaration on October 16 (pending as of October 20). FloridaCommerce's Small Business Emergency Bridge Loan Program is open through November 25, 2026, or until funds run out. Source
Business hit by the hurricane · step 2 of 2
No payment 60 days after your claim — the demand letter to your insurer
Short answer. The letter is open below: key dates, what is overdue, interest. Acknowledge your notice: 7 calendar days (s. 627.70131(1)(a), Fla. Stat.).
- Insurer must acknowledge your notice (7 calendar days): type the date
- Insurer must pay or deny (60 days): type the date
Check your own case.
Section 627.70131(1) and (7), Florida Statutes. Late payments bear interest at the s. 55.03 rate from the day the insurer received notice. The 60-day rule covers residential policies, commercial structures up to 10,000 sq ft and commercial tenant contents up to 10,000 sq ft; it does not cover multi-state commercial policies. Deadlines can be extended up to 30 days by an order of the Office of Insurance Regulation after a declared emergency.
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Put the date they received your notice at the top: everything counts from it.
Reply to their questions within 10 days, or the clock stops.
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Deadlines
The rules, with the source
| What | Deadline | Source |
|---|---|---|
| Acknowledge your notice | 7 calendar days | s. 627.70131(1)(a), Fla. Stat. |
| Pay or deny, with written reasons | 60 days after notice | s. 627.70131(7)(a), Fla. Stat. |
| Late payment | Interest at the s. 55.03 rate from the date notice was received | s. 627.70131(7)(a), Fla. Stat. |
| Extension | Up to 30 more days only by an Office of Insurance Regulation order | s. 627.70131(5)(a), Fla. Stat. |
| Pause of the clock | During mediation, or if you do not answer an information request within 10 days | s. 627.70131(8), Fla. Stat. |
Answer every information request within 10 days: otherwise the 60-day clock stops.
Step by step
What to do, in order
1
Collect the dates
Notice received, acknowledgment, inspection, payments.
2
Check the scope
Commercial building over 10,000 sq ft or multi-state policy? Then the 60-day rule does not apply.
3
Fill in the letter
What is overdue and since when interest runs.
4
Send with proof
Claim portal plus email, or certified mail.
5
Get free help
DFS consumer helpline 1-877-693-5236; Florida disaster legal aid 833-513-2940.
Questions
Can the insurer take longer after a big storm?
Only if the Office of Insurance Regulation issues an order, and by no more than 30 extra days.
What interest rate applies?
The rate set under s. 55.03, Florida Statutes, published by the state; check the current one.
They paid part of it. Can I still write?
Yes: ask for the written explanation of the difference and the detailed estimate.
Official sources
Step 2 of 2
Florida business hit by Hurricane Isaias: the 2 letters
- 1 Give notice of the claim
- 2 Insurer silent after 60 days
Other documents
Keep the papers in one place
Letters, receipts and notices in one folder you can share with family or a lawyer. The templates and the editor are free; Layers is free for up to 20 people.
This is a ready-to-fill letter and a deadline calculator, not legal advice.