Homeowner Claims Bill of Rights
Bill of Rights
Codified at § 627.7142, Florida Statutes.
This Bill of Rights is specific to the claims process and does not
represent all of your rights under Florida law regarding your policy.
There are also exceptions to the stated timelines when conditions are
beyond your insurance company’s control. This document does not
create a civil cause of action by an individual policyholder, or a class
of policyholders, against an insurer or insurers and does not prohibit
an insurer from exercising its right to repair damaged property in
compliance with the terms of an applicable policy.
- YOU HAVE THE RIGHT TO:
Receive from your insurance company an acknowledgment of your
reported claim within 14 days after the time you communicated
- Upon written request, receive from your insurance company within
30 days after you have submitted a complete proof-of-loss
statement to your insurance company, confirmation that your claim
is covered in full, partially covered, or denied, or receive a written
statement that your claim is being investigated.
- Within 90 days, subject to any dual interest noted in the policy,
receive full settlement payment for your claim or payment of the
undisputed portion of your claim, or your insurance company’s
denial of your claim.
- Free mediation of your disputed claim by the Florida Department
of Financial Services, Division of Consumer Services, under most
circumstances and subject to certain restrictions.
- Neutral evaluation of your disputed claim, if your claim is for
damage caused by a sinkhole and is covered by your policy.
- Contact the Florida Department of Financial Services, Division of
Consumer Services’ toll-free helpline for assistance with any
insurance claim or questions pertaining to the handling of your
claim. You can reach the Helpline by phone at 1.877.693.5236, or
you can seek assistance online at the Florida Department of
Financial Services, Division of Consumer Services’ website at