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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 September 26, 2023 · Fact-checked by Brelly Legal Team
The deep guide
The Florida Guide to Property Insurance Claims: Deadlines, Laws, and FAQs
Essential information for homeowners and other professionals about Florida property insurance statutes, deadlines, and other FAQs.
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Making Your Claim -- Frequently Asked Questions
The first step in your property insurance claim is to notify your insurer about your losses. Not only is doing this the only way to get your claim moving, it’s one of your duties of a loss under your insurance policy.
Proving Your Loss - Frequently Asked Questions
After you’ve notified your insurance company and started your claim, you need to prove your losses to your insurance company. Proving that your property suffered losses and that those losses are covered under your insurance policy is at the heart of an insurance claim. As a result, it’s also the most difficult stage in the claims process and where policyholders most often make mistakes. Fortunately, Florida laws do provide you with basic protections at this stage. Read more to understand how.
Get Your Check -- Frequently Asked Questions
Getting reimbursed for your losses — it’s the reason you pay premiums. Here are answer to frequently asked questions as this last, critical stage in your insurance claim.
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.
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Section 624.605, Florida Statutes — “Casualty Insurance” Defined
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Section 627.4025, Florida Statutes — Residential coverage and hurricane coverage defined.
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Section 627.7061, Florida Statutes — Coverage inquiries.
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Section 627.712, Florida Statutes — Residential windstorm coverage required; availability of exclusions for windstorm or contents.
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Section 627.7011, Florida Statutes — Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.
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Section 627.715, Florida Statutes — Flood insurance.
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[ Deadlines to File an Insurance Claims ] Section 627.70132, Florida Statutes — Notice of property insurance claim
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Section 627.425, Florida Statutes — Forms for proof of loss to be furnished
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Section 626.8797, Florida Statutes — Proof of loss; fraud statement
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[ AOB Restrictions and Requirements ] Section 627.7152, Florida Statutes — Assignment Agreements
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Section 627.7153, Florida Statutes — Policies restricting assignment of post-loss benefits under a property insurance policy
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[ Total loss ] Section 627.702, Florida Statutes — Valued policy law
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[ Claim Processing Deadlines and Requirements ] Section 627.70131, Florida Statutes — Property Insurance, Insurer’s duty to acknowledge communications regarding claims; investigation.
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Section 626.9641, Florida Statutes — Policyholder bill of rights
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Section 627.7142, Florida Statutes — Homeowner Claims Bill of Rights
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Section 627.426, Florida Statutes — Claims administration
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Section 626.9744, Florida Statutes — Claim settlement practices relating to property insurance
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Section 626.9521, Florida Statutes — Unfair Insurance Trade Practices Act, Unfair methods of competition and unfair or deceptive acts or practices prohibited; penalties.
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Section 626.9541, Florida Statutes — Unfair Insurance Trade Practices Act, Unfair methods of competition and unfair or deceptive acts or practices defined
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Section 627.70151, Florida Statutes — Appraisal; conflicts of interest.
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Section 627.4265, Florida Statutes – Payment of Settlement.
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Section 624.15, Florida Statutes — General penalty
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Section 624.155, Florida Statutes — Civil remedy
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Section 627.7015, Florida Statutes — Alternative procedure for resolution of disputed property insurance claims.
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Section 627.70154, Florida Statutes — Mandatory binding arbitration
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Section 627.70152, Florida Statutes — Suits arising under a property insurance policy
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[ Bad Faith Actions ] Section 624.1551, Florida Statutes — Civil remedy actions against property insurers.
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