By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Silence is a tactic, and Florida law gives you recourse. Work an escalation ladder: send a written follow-up referencing statutory deadlines, request a supervisor, file a DFS complaint, then file a Civil Remedy Notice with its 60-day cure window. Retain a public adjuster or attorney, and litigate if nothing else works.
What 'ignored' looks like
- Unreturned calls over extended period
- No response to written communications
- No inspection scheduled
- Missed statutory deadlines
- Requests for information that go unacknowledged
Your escalation ladder
Step 1: Written follow-up
- Email with specific questions
- Reference statutory deadlines
- Request specific response
Step 2: Supervisor request
- Ask for supervisor contact
- Escalate within the carrier
- Document the request
Step 3: DFS complaint
- Florida Department of Financial Services
- Online filing
- Regulatory response required
Step 4: CRN filing
- Civil Remedy Notice
- Specific statutory violations
- 60-day cure window
Step 5: Attorney / PA retention
- Professional representation
- Dramatically changes the dynamic
Step 6: Litigation
- When all else fails
- First-party insurance counsel
Key statutory citations
627.70131
carrier response deadlines
626.9541
unfair claim handling practices
624.155
bad faith and CRN
Documentation throughout
- Every call attempt
- Every email sent
- Every deadline missed
- Every RFI ignored or responded to
This becomes the CRN file.