No. Report the damage to your insurance company promptly, even if you do not yet know the full repair cost. You can provide estimates, photographs, and additional documentation as the claim progresses.
When reporting your claim, have your policy number, property address, date of damage, and a brief description of the loss available. Request a claim number and written confirmation that your insurer received your report. If you report by telephone, follow up in writing and save a copy.
Florida's property insurance claim notice law generally requires notice of a new or reopened claim within one year after the date of loss, and notice of a supplemental claim within 18 months. Your policy may also require prompt notice, so those outer deadlines are no reason to wait. Separate flood policies have their own requirements.
The Bottom Line from twwlawfirm.com: Start the claim promptly. You do not need a complete repair estimate to notify your insurer that Hurricane Isaias damaged your property.
(This legal/medical information is for general educational purposes only. While it applies in many situations, no attorney-client relationship is formed—which enables a lawyer to give specific legal advice—until you have spoken to the lawyer directly and retained him or her in writing.)