How long does the insurance company have to pay my Florida claim?

Short answer: Under Florida law, the carrier must acknowledge your claim within 7 days, communicate decisions within 30 days of acknowledgment, and pay undisputed amounts within 60 days of proof of loss. The ultimate pay-or-deny deadline is 90 days from notice, unless the carrier shows factors beyond its control. Late payment accrues interest at the judgment rate.

The 90-day rule

Carrier must pay, partially pay, or deny within 90 days of notice of claim: unless they can show factors beyond their control.

---

The 60-day undisputed rule

Amounts that are not genuinely disputed must be paid within 60 days of POL receipt.

---

Penalties

Late payment interest accrues at the judgment rate. Willful violations can support bad-faith exposure.