Your right to prompt response
Under Fla. Stat. 627.70131:
Missed deadlines are documented facts that support a Civil Remedy Notice.
Your right to representation
You may be represented in your insurance claim by:
- A licensed Florida public adjuster (the only non-attorney who may represent you)
- A Florida-licensed attorney
The carrier cannot require you to speak to them directly once you are represented.
Your right to a copy of your policy
Under Florida law, you may request a certified copy of your insurance policy at any time. The carrier must provide it.
Your right to inspect your own claim file
Florida policyholders may request a copy of their claim file, including the adjuster's notes, reserves, and correspondence. Discovery in litigation expands this right further.
Your right to invoke appraisal
If the policy contains an appraisal clause (most Florida HO-3 policies do), either party may invoke. The carrier cannot refuse a properly invoked appraisal.
Your right to DFS mediation
Under Fla. Stat. 627.7015, Florida residential property claims can be submitted to state-sponsored mediation: low-cost, non-binding, and typically resolved in a single session.
Your right to file a Civil Remedy Notice
Fla. Stat. 624.155 allows a policyholder to file a CRN when the carrier has acted in bad faith. The carrier has 60 days to cure; failure triggers potential bad-faith damages.
Your right to 10 days of cancellation on a PA contract
After signing a Florida public adjuster contract, you have 10 days to cancel without penalty (Fla. Stat. 626.854).
Your right to supplemental claims
Under Fla. Stat. 627.70132, you have 18 months from the date of loss to file a supplemental claim: even if the initial claim has been paid or closed.