Statutory mediation (627.7015)
- Available for residential property claims
- Requested through DFS
- Low-cost (carrier pays ~$350)
- Non-binding
- Single mediator, single session
Policy mediation clauses
Some policies include:
- Reference to DFS statutory mediation
- Alternative mediation procedure
- Notice requirements
- Cooling-off periods
Policy clauses don't override statutory rights but may add procedural steps.
How to invoke
DFS path
- File request online or mail
- DFS screens eligibility
- Carrier notified, panel selects mediator
- Session scheduled
Policy path (if different)
- Follow policy-specific procedures
- Verify interaction with statutory mediation
- Ensure statutory rights preserved
Interaction with other escalation
- Non-binding, so doesn't foreclose appraisal or litigation
- Good first step for scope disputes
- Low-cost exploration before committing