How Long Do I Have to Sue Over a Florida Solar Loan?

One of the most important — and most overlooked — parts of a bad solar deal is timing. Florida sets deadlines (called statutes of limitations) to bring different kinds of claims, and they run on different clocks. Some can quietly expire. This is a general overview, not legal advice — the exact deadline for your situation depends on your facts, so talk to a Florida attorney sooner rather than later.

The clocks that usually matter

• FDUTPA (Florida Deceptive & Unfair Trade Practices Act): generally a 4-year window for deceptive-sales claims.
• Breach of a written contract: generally 5 years in Florida; an oral contract is generally 4 years.
• Fraud: generally 4 years, often measured from when you discovered (or should have discovered) the fraud, with an outer limit.
• Truth in Lending Act (TILA): damages claims generally have a 1-year window, while the right to rescind for improper disclosures can extend up to 3 years.
• FTC Holder Rule: it travels with your underlying claim against the installer, so the relevant deadline is usually tied to that claim.

Because different claims expire at different times — and some start counting from the sale, others from when you discovered the problem — the safest move is to get your situation reviewed before any clock runs out.

Why acting early helps even if you have time

• Evidence (texts, app data, witnesses) gets harder to gather as time passes.
• Documenting now preserves the facts while they're fresh.
• Some remedies (like stopping ongoing damage from a leak) shouldn't wait regardless of legal deadlines.

This is general information, not legal advice. Statutes of limitations are fact-specific and can be affected by many factors — only a licensed Florida attorney can tell you your actual deadline.