The statutes that govern your claim

Defines who may act as a public adjuster in Florida, sets the licensing requirements, and caps contingency fees, with a reduced cap for declared-emergency claims during the first year after the declaration.

Requires Florida property insurers to acknowledge claims within 7 days, begin investigation within 7 days of proof-of-loss, conduct any required physical inspection within 30 days, and pay or deny the claim within 60 days: with statutory interest accruing on late payments.

Property insurance claims must be reported within 1 year of the date of loss for new or reopened claims, and within 18 months for supplemental claims.

A statutorily mandated one-page summary of policyholder rights that Florida insurers must provide to homeowners after claim notification: deadlines, interest accrual, public adjuster rights, and the right to a free DFS mediation.

Creates a statutory remedy for bad-faith conduct by insurers. A Civil Remedy Notice gives the carrier 60 days to cure specified violations before bad-faith damages can be pursued.

Requires insurers to replace damaged items with materials of like kind and quality. When a reasonable match is unavailable, the insurer must pay for replacement of a reasonably continuous area.

Significantly restricts post-loss Assignment of Benefits on residential and commercial property policies issued on or after January 1, 2023.

Summary of the major 2022-2023 Florida property insurance reforms: shortened claim deadlines, AOB restrictions, attorney-fee changes, and carrier market stabilization.