Civil Remedy Notice Florida: How to File Against Your Insurance Company

What is a Civil Remedy Notice in Florida?

A Civil Remedy Notice (CRN) — also called a Civil Remedy Notice of Insurer Violations — is a formal legal notice required under Florida Statute 624.155 before you can sue your insurance company for bad faith.

Filing a CRN puts your insurer on notice that they have 60 days to cure their violation. If they fail to do so, you can proceed with a bad faith lawsuit — which can result in damages exceeding your original policy limits.

When Can You File a Civil Remedy Notice?

You can file a CRN when your insurer has:

• Denied your claim without a reasonable basis
• Failed to pay a valid claim within a reasonable time
• Not properly investigated your claim
• Offered a settlement far below the actual damage value
• Misrepresented policy provisions to avoid paying
• Failed to acknowledge your claim within 14 days

How to File a Civil Remedy Notice in Florida

1. Complete the CRN form — Available from the Florida Department of Financial Services (DFS). You must identify the specific statute violated (usually 624.155(1)(b)).
2. File with the DFS — Submit electronically through the DFS Civil Remedy Notice online portal at myfloridacfo.com.
3. Serve your insurer — The insurer must receive a copy of the CRN at the same time you file with the DFS.
4. Wait 60 days — The insurer has 60 days to cure the violation. If they do not, your attorney can file the bad faith lawsuit.

What Happens After the 60-Day Cure Period?

If your insurer does not cure the violation within 60 days, your attorney can file a bad faith lawsuit. In Florida, bad faith claims can result in:

• The full value of your damages — beyond policy limits
• Attorney fees paid by the insurer
• Punitive damages in extreme cases

How Louis Law Group Can Help

Filing a CRN correctly is critical. Our property damage attorneys have filed hundreds of Civil Remedy Notices against Florida insurers — including Allstate, USAA, Progressive, Tower Hill, Castle Key, and Citizens Insurance. We handle the entire process on contingency — you pay nothing unless we recover for you.