Reviewed source
State resource center
Florida claim resources.
A single starting point for Florida-specific guidance, primary sources, and the broader claim topics you may need next.
Reviewed guide updated August 3, 2026 · Fact-checked by Brelly Legal Team
The deep guide
The Florida Guide to Property Insurance Claims: Deadlines, Laws, and FAQs
Florida property claims come with plenty of clocks. The trick is knowing which event starts which one.
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Start with the stage closest to your claim, then continue into the reviewed state guide for details and sources.
Primary sources
See where the guidance comes from.
The guide links sources beside the assertion they support. This directory provides a state-level route into the reviewed source set.
Reviewed source
Section 624.605 — Casualty insurance.
Section 624.605Reviewed source
Section 627.4025 — Residential and hurricane coverage.
Section 627.4025Reviewed source
Section 627.7061 — Coverage inquiries.
Section 627.7061Reviewed source
Section 627.712 — Residential windstorm coverage.
Section 627.712Reviewed source
Section 627.7011 — Replacement cost and law-and-ordinance coverage.
Section 627.7011Reviewed source
Section 627.715 — Private flood insurance.
Section 627.715Reviewed source
Section 627.7152 — Historical assignment agreements.
Section 627.7152Reviewed source
Section 627.70132 — Notice of property claim.
Section 627.70132Reviewed source
Section 627.425 — Proof-of-loss forms.
Section 627.425Reviewed source
Section 626.8797 — Proof-of-loss fraud warning.
Section 626.8797Reviewed source
Section 627.70131 — Claim communications and handling.
Section 627.70131Reviewed source
Section 627.7142 — Homeowner Claims Bill of Rights.
Section 627.7142Reviewed source
Section 627.702 — Valued-policy law.
Section 627.702Reviewed source
Section 626.9744 — Matching and adjoining areas.
Section 626.9744Reviewed source
Section 627.4265 — Payment after settlement.
Section 627.4265Reviewed source
Section 626.9641 — Policyholder rights principles.
Section 626.9641Reviewed source
Section 627.426 — Claims administration.
Section 627.426Reviewed source
Section 626.9521 — Unfair trade practices prohibited.
Section 626.9521Reviewed source
Section 626.9541 — Unfair practices defined.
Section 626.9541Reviewed source
Section 624.15 — General penalty.
Section 624.15Reviewed source
Section 627.70151 — Appraisal umpire conflicts.
Section 627.70151Reviewed source
Section 624.155 — Civil remedy.
Section 624.155Reviewed source
Section 627.7015 — DFS mediation.
Section 627.7015Reviewed source
Section 627.70154 — Elected mandatory binding arbitration.
Section 627.70154Reviewed source
Section 627.70152 — Property-policy suits.
Section 627.70152Reviewed source
Section 624.1551 — Property-insurer civil-remedy prerequisite.
Section 624.1551Keep the claim moving
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