What carriers control
- Internal review pace
- Reserve adjustment timing
- Supervisor sign-off timing
- Payment processing
- RFI issuance timing
What carriers DON'T control
- Fla. Stat. 627.70131 deadlines (7/30/60)
- Fla. Stat. 627.70132 windows (1 year / 18 months)
- Appraisal clause activation
- Your right to file CRN
- Your right to file DFS complaint
Common delay patterns
- "Still under review" for extended periods
- "Waiting on [documentation carrier already has]"
- "Supervisor needs to sign off"
- "Reserves being reevaluated"
Policyholder active management
Follow up proactively
- At 7 days, 14 days, 21 days, 30 days
- Written, escalating
- Cite statute where appropriate
Track statutory deadlines
- 627.70131 deadlines against carrier
- Your own supplemental window
Escalate on pattern
- DFS complaint
- CRN preparation (signal)
- Attorney consultation
Don't accept indefinite "pending"
- Demand specific timeline
- Document the delay
- Prepare to escalate