Inside the Florida claim process

The period between FNOL and inspection scheduling: intake routing, reserve setting, adjuster assignment. What to do while you wait.

The field-adjuster inspection visit: what they do, how long it takes, what they photograph, and what they miss.

Inside the field adjuster's documentation workflow: photos, scope notes, Xactimate sketches. What gets captured and what doesn't.

Once the adjuster leaves, the claim moves through desk review, supervisor sign-off, and payment authorization. The steps explained.

The Xactimate estimate your carrier sends is the product of a specific workflow. What goes into it, what doesn't, and how to read it.

When you submit a supplemental claim, it enters a specific review workflow. What the carrier does and how to support the filing.

Every claim payment moves through an approval chain. Who signs what, and what causes hold-ups.

From approval to check in hand: the steps inside carriers that turn a claim decision into actual payment.

When the carrier wants a second look: supplement review, disputed scope, policyholder escalation. What a reinspection produces.

Specific events inside carrier processes automatically elevate claim handling. What triggers escalation and what it means for the policyholder.

Special Investigations Unit referral: when it happens, how it changes handling, and how to navigate.

The process of invoking and scheduling Florida DFS-sponsored mediation: from request through session day.

Once appraisal is invoked, panel selection becomes critical. How to select a qualified appraiser and navigate umpire selection.

How appraisal umpires make decisions when the two party appraisers disagree. The dynamics and how to advocate.

Settlement isn't closure until payment clears. The release process, holdback dynamics, and how to ensure full payment.