June 1 is the official start of hurricane season. Beyond food, water, and safety planning, homeowners and business owners should prepare from an insurance claim perspective. Learn how to document your property, review your policy, understand deductibles, avoid bad coverage, and protect your claim before the next storm.

How long an insurance claim takes depends on the type of loss, the insurance company, the policy, the documentation needed, and whether the claim is accepted, underpaid, partially denied, or denied in full. Here’s what property owners should understand about insurance claim timelines, supplements, disputes, and why patience is often required.

Homeowners affected by Hurricane Milton in Florida have until April 9, 2026 to file a supplemental claim. Find out if your insurance claim was underpaid and what steps to take before the deadline.