By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Florida law requires you to send a pre-suit notice at least 10 business days before filing a lawsuit against a property insurer. The notice must include the statutory citation, the alleged amount in dispute, supporting documentation, and an estimate of damages. The carrier then has 10 business days to respond, and a noncompliant notice can be grounds for dismissal.
What the notice must include
- Statutory citation
- Alleged amount in dispute
- Supporting documentation
- Estimate of damages
Carrier response window
Carrier has 10 business days to respond: make a settlement offer, request inspection, or invoke appraisal.
Why it matters
Failure to provide a compliant pre-suit notice is grounds for dismissal. Attorneys handle this; DIY suit filing without notice will fail.