Your Rights as a Policyholder in Florida

1. You have the right to fair handling of your claim

Insurance companies must investigate and handle claims in good faith.

• They should communicate honestly about what is needed and why.
• They should not intentionally delay or underpay a valid claim.
• You can ask for explanations in writing when something is denied.

2. You have time limits – and so do they

Policies and Florida statutes set deadlines for reporting losses and for insurers to respond.

• Report damage as soon as reasonably possible.
• Keep track of when you send documents and when you receive responses.
• If timelines are repeatedly missed, consider filing a complaint with the Florida Department of Financial Services.

3. You may have options if the insurer acts in bad faith

Bad faith is more than a simple disagreement – it involves unfair or deceptive claim handling.

• Consult with an attorney who focuses on property insurance if you suspect bad faith.
• Save all letters, emails, and notes from phone calls.
• Ask a public adjuster to review how the claim has been handled so far.

4. You are allowed to have your own representation

You do not have to face the insurance company alone. Florida licenses public adjusters specifically to represent policyholders.