Florida Insurance Claim Dispute

This guide helps Florida homeowners who have had their insurance claims denied. It explains the steps to dispute the denial, provides resources to help you navigate the process, and explains when to seek legal assistance.

1. Understanding the Denial

Insurance companies typically provide a written explanation for a denied claim. Common reasons include policy exclusions, insufficient documentation, or a disagreement about the value of the damage. Carefully review the denial letter and the terms of your policy.

2. Gather Evidence

Collect all relevant documents: the original policy, photos of the damage, repair estimates, and any correspondence with the insurer. An independent appraisal can also provide an objective assessment of the loss.

3. File a Formal Dispute

Under Florida law, you must submit a formal dispute to the Florida Office of Insurance within the time limits stated in the denial. Use the online portal or mail the required forms. Attach the evidence you gathered and a concise statement explaining why the denial is incorrect.

4. Mediation and Arbitration

If the insurer refuses to negotiate, the Office may require mediation. You'll present your case, and a mediator will attempt to reach a settlement. If mediation fails, arbitration may be requested to issue a binding decision.

5. When to Seek Legal Help

Consider legal counsel if the insurer:

• Fails to respond within the legal deadline.
• Refuses to engage in independent appraisal or mediation.
• Appears to violate consumer-protection rules by providing misleading or incomplete information.

An attorney can interpret policy language, draft persuasive appeal letters, and represent you during mediation or arbitration. If those steps fail, the lawyer can advise on filing a lawsuit against the insurer.

6. Local Resources

Useful state resources include:

• Claims Process Information
• Consumer Complaint Filing
• Consumer Help Center

Community homeowner associations and local repair contractors can also provide practical assistance and reliable estimates.

Disclaimer: This guide is for informational purposes only and does not constitute legal advice. Consult a licensed Florida attorney for personalized guidance.

If your property insurance claim was denied, call Louis Law Group at 833-657-657.