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Insurance Claims in Florida

Filing deadlines, Department of Insurance contacts, and state-specific requirements for policyholders in Florida.

Florida Department of Financial Services — Division of Consumer Services

The Florida Department of Financial Services — Division of Consumer Services regulates insurance companies in Florida and handles consumer complaints. Contact them if your insurer is not responding properly to your claim.

1-877-693-5236
https://www.myfloridacfo.com/division/consumers
File a complaint with FL DOI

Claim Filing Deadlines

These are the statute of limitations — the legal deadlines by which you must file a lawsuit if your claim is denied. Your insurer's policy may require you to report the claim much sooner. Always check your policy's notification requirements.

Type Deadline Statute
Auto 2 years for bodily injury (reduced from 4 years by HB 837/SB 2A, effective March 24, 2023); 4 years for property damage Fla. Stat. § 95.11(4)(a) (bodily injury, 2 years); Fla. Stat. § 95.11(3)(h) (property damage, 4 years)
Home Property insurance claims must be filed within 1 year of the date of loss (2023 legislative change); prior losses may have different deadlines Fla. Stat. § 627.70131

What Your Insurer Must Do

Florida law requires insurance companies to follow these timelines when handling your claim.

  • Insurers must acknowledge receipt of a claim within 14 calendar days (Fla. Stat. § 627.70131(1))

  • Insurers must begin investigation within 10 days of notification (Fla. Stat. § 627.70131(1))

  • Insurers must pay or deny claims within 90 days of receiving notice of the claim (Fla. Stat. § 627.70131(5))

Consumer Protections

Key laws and regulations that protect Florida policyholders during the claims process.

  • Florida requires a mediation program for property insurance disputes — policyholders may request mediation through the Florida DFS before litigation

  • Florida's Assignment of Benefits reform (2023 SB 2A) eliminated one-way attorney's fees that previously encouraged litigation; consult an attorney for guidance on your specific situation

Florida property insurance has undergone significant legislative changes since 2022–2023. Always verify current statutes. The Florida OIR (Office of Insurance Regulation) and DFS (Department of Financial Services) share regulatory functions.

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Editorial Standards

DOI contact information and statute references are sourced from official state government websites. Information may change — verify with your state's department of insurance. Statute of limitations periods reflect current law as of early 2026 — laws can change; verify against current state statutes for your specific situation.

This information is for educational purposes only and does not constitute legal or financial advice. Filing deadlines and procedural requirements can change. Consult a licensed insurance professional or attorney in Florida for advice specific to your situation and policy.

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