Short answer: Escalate in writing to the adjuster's supervisor and, if necessary, to the carrier's claim management. Document the silence for Fla. Stat. 627.70131 timeline violations.
Escalation path
- Written email to adjuster with read-receipt: one last attempt
- Written email to adjuster's supervisor (ask for supervisor contact in writing)
- Claim department / corporate escalation letter
- DFS consumer complaint at myfloridacfo.com if no response
The statutory clock
Fla. Stat. 627.70131 requires the carrier to pay, partially pay, or deny within 90 days of notice. Delay beyond that window supports interest, bad-faith exposure, and CRN.
Document for later
Every unanswered email, every unreturned call: these build the record for a Civil Remedy Notice under Fla. Stat. 624.155.