Ocean Point Claims:what is a civil remedy notice

What is a Civil Remedy Notice (CRN) in Florida?

A Civil Remedy Notice under Fla. Stat. 624.155 is the statutory prerequisite for a first-party bad-faith insurance action in Florida. It gives the insurer 60 days to cure the alleged violation before a bad-faith suit can be filed.

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Reviewed by Eli Goins, FL DFS License #P159790 · Last updated April 6, 2026

By Eli Goins · FL DFS #P159790 · Reviewed: April 6, 2026 · 1 min read

Short answer: A Civil Remedy Notice is the statutory prerequisite for a bad-faith insurance action in Florida. It gives the insurer 60 days to pay the demand or cure the alleged violation before suit. The notice must state the specific statutory violation alleged, the supporting facts, the policy language at issue, and the monetary demand.

What the CRN must include

Specific statutory violation alleged
Specific facts supporting the violation
Specific policy language at issue
Amount of monetary demand

The 60-day cure window

Carrier has 60 days from CRN filing to pay the demand or cure the alleged violation. If it does, the bad-faith claim generally dies. If it does not, the bad-faith action proceeds.

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When a CRN makes sense

Carrier has failed to investigate
Carrier has lowballed a well-documented claim
Carrier has delayed without explanation
Carrier has denied in bad faith

Frequently asked questions

Why does Florida require a Civil Remedy Notice before a bad-faith lawsuit?

In Florida, a Civil Remedy Notice under Fla. Stat. 624.155 is the statutory prerequisite to a first-party bad-faith insurance action. You cannot file a bad-faith suit without one. The notice gives your insurer 60 days to cure the alleged violation first, so the carrier gets a chance to fix the problem before litigation begins.

What information must a CRN include when filing one in Florida?

A valid Florida CRN must identify the specific statutory violation alleged, the specific facts supporting that violation, the specific policy language at issue, and the amount of your monetary demand. Each element should be concrete and tied to documented facts in your claim file, because a vague or incomplete notice is easier for the carrier to challenge.

How does a Civil Remedy Notice work after you file it?

Once you file a CRN, the carrier has 60 days to pay the demand or cure the alleged violation. If it cures within that window, the bad-faith claim generally dies. If it does not, the bad-faith action can proceed. A CRN typically makes sense when an insurer fails to investigate, lowballs, delays without explanation, or denies in bad faith.

Reviewed by Eli Goins, FL DFS License #P159790 · Last updated April 6, 2026

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