When disaster strikes -

do you know your rights?


This Bill of Rights summarizes, in nontechnical terms, your rights as a Florida Homeowner who files an insurance claim. This does not represent all your rights as a policyholder in the state of Florida - it is specific to the claims process.



1.   Acknowledgement of your reported claim within 14 days from your insurance company.

2.   Information regarding the claim being covered, denied, or investigated, within 30 days of your insurance company receiving your completed proof of loss form.

3.   Full payment, partial payment of the undisputed portion, or denial of your claim within 90 days - subject to any dual interest noted in the policy.

4.   Free mediation of your disputed claim with the Florida Department of Financial Services Division of Consumer Services - subject to certain restrictions.

5.   Neutral evaluation of your disputed claim caused by sinkhole damage.

6.   Assistance with your insurance claim from the Florida Department of Financial Services Division of Consumer Services’ toll-free helpline at 1-877-693-5236, or online at the Florida Department of Financial Services Division of Consumer Services’ website at www.myfloridacfo.com.



1.   Contact your insurance company before entering into any contract for repairs to confirm any repair policy provisions or preferred vendors.

2.   Make and document emergency repairs to prevent further damage. Take photographs before and after and keep all receipts.

3.   Read all contracts carefully that require you to pay out-of-pocket expenses or a fee based on a percentage of the insurance proceeds that you will receive for repairing or replacing your property.

4.   Confirm your selected contractor is licensed to do business in Florida. Call the Florida Department of Business and Professional Regulation to verify a contractor’s license and ask the contractor for references from previous work.

5.   Before a contractor begins repairs, require them to provide proof of insurance.

6.   If the damage to your property requires you to evacuate, secure your property and turn off the gas, water, and electricity, and contact your insurance company to provide the phone number where you can be reached.


Special Thanks to Zarahn Insurance Agency for providing this information!


To View the Full Version of the

Homeowner Claims Bill of Rights CLICK HERE