After damage, the policy and Florida law set out duties for both the policyholder and the insurer. Recent changes to Florida law generally require insurers to acknowledge communications within 7 days and to pay or deny a residential property claim within 60 days after notice, with some exceptions. Check the current law and your policy.
Log everything
- The claim number and the date reported.
- The adjuster's name, phone and email.
- Every call and email, with the date and what was said.
- The inspection date.
- Every payment and what it covered.
Keep doing your part
Protect the property from more damage, keep receipts for emergency repairs, and send what the adjuster asks for promptly.
Our insurance claim log shows how long each claim has been open.
General information, not legal, tax or financial advice.
This article is general information, not legal, tax or regulatory advice. Rules change; confirm current requirements with the responsible agency or a licensed professional.
