Guide · Checked October 22, 2026
Florida's post-2022 insurance reforms turned claim timing into contractor operations. Miss the supplement window and the hidden damage you found at tear-off is your customer's unrecoverable loss — and your reputation's. These are the dates, from the statutes in our dataset.
| Deadline | Clock | Contractor's move |
|---|---|---|
| File the claim | 1 year from the loss | Intake forms that record the date of loss on day one — not the date of the call |
| Supplement | 18 months from the loss | Tear-off photo protocol + a supplement checklist filed the same week as the build |
| Emergency contract cancellation | 10 days, no penalty (§489.147(6)) | The cancellation notice inside the contract, verbatim |
| AOB | Void on policies issued on/after Jan 1, 2023 (§627.7152(13)) | No assignment language in any Florida contract; help document, never take over |
Homeowners experience these deadlines as claim math — and for that, this portfolio runs DepreciationDecoded. Contractors experience them as scheduling law: which jobs get torn off first, which supplements get written this week, which contract templates are compliant. The kit's Florida deadlines calendar is this page turned into a wall chart.
The checker gives you the verdict. The kit gives you the paperwork, in filing order: the application walkthrough for your state's class, qualifying-party documentation templates, the bond and insurance spec sheet with your state's exact minimums, the city-registration checklist pack for no-license states, and the contract-compliance pack (deductible language and required contract notices, including Florida's deadlines calendar).
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Included in the $49 RoofingLicenseCheck Kit — every item below, for every state, one payment.
