What it contains
The Homeowner Claims Bill of Rights summarizes key policyholder rights, including:
- The carrier's acknowledgment, inspection, and pay-or-deny deadlines (see 627.70131)
- The right to hire a public adjuster
- The right to free state-sponsored mediation (Fla. Stat. 627.7015)
- The right to representation by counsel
- The right to file a DFS complaint
- Interest accrual on late payments
Why it matters
The statute exists because most homeowners don't know their rights at claim time: carriers historically relied on that gap. Requiring the bill of rights with every claim communication closes it.
What to do when you receive it
- Read it. Seriously.
- Mark the key deadlines on your calendar.
- Retain for your records: it confirms the timeline you can hold the carrier to.