The Homeowner Claims Bill of Rights

The Homeowners Claims Bill of Rights is published by the Florida Division of Consumer Services (DCS) to educate homeowners and to hold insurance companies accountable. The bill of rights is specific to the claims process and does not include all the policyholder’s bill of rights under Florida law regarding an insurance policy. 

You have the right to:

  • Receive acknowledgment of your claim within 14 days after the claim was communicated to the insurer.
  • Receive communication from the insurer as to the claim being covered in full, partially covered, or denied, or a written statement that your claim is being investigated, within 30 days after the company receives the policyholders completed proof of loss form.
  • Subject to any dual interest noted in the policy, receive full payment of the claim, the undisputed portion of the claim, or the denial of the claim within 90 days.
  • Free mediation of your disputed claim, offered through the Division of Consumer Services, under most circumstances and subject to certain restrictions.
  • Neutral evaluation of a disputed sinkhole claim if the claim is due to sinkhole damage and is covered under the policy.
  • The availability of assistance with any insurance claim or questions pertaining to the handling of your claim from the Division of Consumer Services. They must provide the direct and toll free number and website of the Division on the notice.

Contact us today if you feel your rights have been disregarded by your insurance company.

Insurance Claims Videos

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