Short answer: According to Fla. Stat. 627.4137, any insurer that may owe liability coverage on a claim must, within 30 days of the claimant's written request, provide a statement under oath disclosing the insurer's name, each insured, the liability limits, any coverage defense it reasonably believes applies, and a copy of the policy. The statement must be sworn by a corporate officer or claims manager and amended immediately when new facts surface.
What does Fla. Stat. 627.4137 do?
Fla. Stat. 627.4137 forces disclosure of liability-insurance coverage information. When an insurer does or may provide liability coverage to pay all or part of a potential claim, that insurer must, on the claimant's written request, hand over a sworn statement setting out the coverage picture. The point is simple: a claimant should not have to guess at who insures the other side, how much coverage exists, or whether the carrier is quietly relying on a coverage defense.
This section governs liability-coverage disclosure. It was last amended by ch. 2011-174 (2011), was formerly designated s. 627.7264, and is not one of the 2021-2023 Florida property-insurance reform bills (SB 76, SB 2D, SB 2A, or HB 837). Do not confuse it with those property-reform provisions.
Who must disclose, and when?
Each insurer that does or may provide liability coverage must respond, and it must do so on a fixed clock. Once the claimant sends a written request, the insurer has 30 days to provide the sworn statement.
| Step | What happens | Timing |
|---|---|---|
| Written request sent | Claimant (or the claimant's attorney) requests the coverage information in writing | Starts the clock |
| Insurer responds | Insurer provides the sworn statement covering each known policy, including excess or umbrella insurance | Within 30 days of the written request |
| Facts change | Insurer must amend the statement | Immediately upon discovery of facts calling for an amendment |
Key takeaway: the written request is what starts the 30-day clock, and the duty covers every known policy, not just the primary layer.
What five items must the sworn statement include?
For each known policy of insurance, including excess or umbrella insurance, the statement must set out five specified items.
| Item | What must be disclosed |
|---|---|
| (1)(a) | The name of the insurer |
| (1)(b) | The name of each insured |
| (1)(c) | The limits of the liability coverage |
| (1)(d) | A statement of any policy or coverage defense the insurer reasonably believes is available at the time of filing the statement |
| (1)(e) | A copy of the policy |
Item (1)(d) is the one carriers most want to keep quiet: if the insurer thinks it has a coverage defense, this statute requires it to say so up front rather than ambush the claimant later.
Why does the sworn (under oath) requirement matter?
The disclosure is not a casual letter from an adjuster. It must be made under oath by a corporate officer or the insurer's claims manager or superintendent. Putting a senior officer's oath behind the numbers is what gives the disclosure teeth: the limits, the named insureds, and any asserted coverage defense are represented as true under penalty of perjury, not floated as an informal estimate that can be walked back.
What about the insured's own duty to disclose?
The obligation is not limited to the carrier. On the written request of the claimant or the claimant's attorney, the insured, or her or his insurance agent, must disclose the name and coverage of each known insurer to the claimant. That means a claimant who cannot get answers from the carrier still has a route through the insured and the agent.
What if the coverage picture changes after the statement is filed?
The statement is not frozen in time. Under subsection (2), the statement required by subsection (1) must be amended immediately upon discovery of facts calling for an amendment. If a new policy surfaces, a limit is corrected, or a coverage position shifts, the insurer cannot sit on the old disclosure; it has to update it.
How do you request disclosure from a self-insured company?
Self-insured entities are handled differently for service. Under subsection (3), any request made to a self-insured corporation under this section must be sent by certified mail to the registered agent of the disclosing entity. Sending it that way creates a clean record that the request was made and received.
How does Ocean Point use policy-limits disclosure?
Our core work is first-party property claims, but coverage transparency runs through everything we do. When a coverage question turns on the limits, the actual policy language, or a defense the carrier is reasonably relying on, 627.4137 is the mechanism that puts those facts on the table under oath, including a copy of the policy and any asserted coverage defense. Our team reads the disclosed policy and the coverage-defense language closely, because item (1)(d) often previews the same reservation-of-rights arguments a carrier will lean on later.
Ocean Point holds Florida DFS firm license W829547, has 21 years of claims experience, has handled 500+ mediations, and is led by primary public adjuster Eli Goins (license P159790). We are members of FAPIA. When a matter is genuinely a third-party liability dispute rather than a first-party property claim, we say so and coordinate with the appropriate counsel rather than stretch beyond our lane.
Who this is for, and should you send a 627.4137 request?
A 627.4137 request is the right tool when you need certainty about liability coverage: who the insurer is, who is insured, how high the limits go, whether a coverage defense is lurking, and what the policy actually says. It is most often used by claimants and their attorneys in liability matters, and the written request is what triggers the insurer's sworn, 30-day response.
Use it when the coverage picture is being kept vague or when an insurer hints at a defense without committing to it in writing. If your dispute is a first-party property claim instead, the disclosure and deadline statutes built for that context are the better starting point, and a public adjuster or attorney can point you to the right one.
Bottom line: put the request in writing, hold the insurer to the 30-day sworn disclosure, and read item (1)(d) carefully, because a coverage defense disclosed up front is far easier to answer than one sprung on you later.