The deadlines
Fla. Stat. 627.70131 imposes specific deadlines on Florida property insurers:
- 7 calendar days to acknowledge receipt of a claim communication
- 7 days after receiving proof-of-loss to begin any reasonably necessary investigation
- 30 days after receiving proof-of-loss to conduct any physical inspection required
- 60 days after notice of claim to pay, deny, or document factors beyond the carrier's control that prevent resolution
These are hard deadlines, subject to limited exceptions for factors genuinely beyond the carrier's control.
Late-payment interest
When the carrier misses the 60-day pay-or-deny deadline, statutory interest accrues from the date of claim notice under Fla. Stat. 55.03. This is a real dollar cost the carrier owes you.
How this statute affects your claim
- You have the right to documented response timing.
- Carrier violations are grounds for a Civil Remedy Notice under Fla. Stat. 624.155.
- Patterns of delay are admissible in bad-faith proceedings.
- You can file a DFS complaint at MyFloridaCFO when deadlines are missed.
What to do when deadlines are missed
- Document the missed deadline in writing to the carrier.
- Demand explanation under the statute.
- Consider filing a DFS complaint.
- Consider filing a Civil Remedy Notice.
- Consult a public adjuster or attorney.