Path 1: Reconsideration
File a written request for reconsideration with new documentation: independent estimate, engineer report, weather data.
Path 2: Appraisal
If the dispute is over amount (and the denial is really an underpayment), invoke the appraisal clause.
Path 3: Civil Remedy Notice
For bad-faith patterns, unreasonable denial, failure to investigate, lowballing, file a CRN under Fla. Stat. 624.155.
Path 4: Litigation
Breach of contract action. Attorney required. Post-2022 one-way fee shifting has been largely eliminated.
DFS mediation
Fla. Stat. 627.7015 provides a free DFS mediation program for personal-lines residential property claims.