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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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Pages and pages of good promises. You get storm damage and you ask for a check? You think the insurance company is going to give you everything? They’re trying to save money. We’re The Professional Law Group. We work to get you what you deserve, and with us you’ll have no out-of-pocket expense. Storm damage? Call the pros at 800-LAW-4141. Shouldn’t every promise be kept?

How much is the insurance company supposed to pay? You can take the first check but don’t sign the release. Often there’s damage you don’t see. Call the pros at 800-LAW-4141. We’re The Professional Law Group. We’ve gotten people more money than the insurance company’s first offer. And we’ll come to you to assess your damage free of charge. Weather damage? There may be more to get it done. Call the Pros!

You call the insurance company and they offer you a small check? Take it but don’t sign the release. There could be damage lurking behind those cabinets, underneath the floors, or even behind those walls. Call the The Professional Law Group, we’re the Pros, the experts at property damage. We’ll come to you and assess your damage free of charge. Property damage claim? Call 800-LAW-4141. Helping you is what we do.

Flooding in a bathroom or living room? Got broken pipes, overflows, even rain? Call us first for a free inspection. Don’t let the insurance company talk you into less money than you need. If you’ve got water where it doesn’t belong, call 800-LAW-4141. We aim to get you more than they offer and may even be able to reverse a denial. Why pay out of your own pocket? If you’ve got water where it doesn’t belong, call the The Professional Law Group. We’re the Pros at 800-LAW-4141.