What is a pre-suit Notice of Intent (NOI)?

Under Florida Statute 627.70152, before suing a property insurer a claimant must serve the Department of Financial Services with a written Notice of Intent to Initiate Litigation at least 10 business days before filing suit. It must state the disputed amount, a settlement demand, and, where applicable, an itemization of fees and costs.

Can a public adjuster prepare or serve an NOI?

No. Preparing and serving a pre-suit Notice of Intent to Initiate Litigation is the practice of law. A public adjuster cannot do it. Louis Law Group prepares and serves the NOI on the policyholder's behalf.

Does referring a policyholder for an NOI cost the public adjuster anything?

No. There is no cost to the PA to refer a policyholder, and no referral fee is paid or accepted either way. The policyholder — not the PA — is the client and decides whether to hire the firm; if they do, they owe no attorney's fees or costs unless we obtain a recovery.

← Public Adjuster Resources

Pre-Suit Notice · F.S. 627.70152

Request a Notice of Intent to Litigate

When a carrier won't pay a legitimate claim, Florida law requires a pre-suit Notice of Intent before filing suit. A public adjuster can't serve one — but can refer the policyholder for a free review. If the policyholder hires the firm, our attorneys prepare and serve the NOI, then handle the carrier's response through to litigation if needed. The policyholder is the client — they decide.

Statutory NOI drafted and served under F.S. 627.70152
We start and track the 10-business-day response clock
You keep adjusting — and your PA fee
No cost to the PA · No fee unless we recover

10 DaysStatutory Notice

$0Upfront Cost

24hrResponse

No FeeUnless We Win

Free NOI Review

Start a Free NOI Review

Give us the claim details below. Our attorneys review it at no cost — usually within 24 hours — and, if the policyholder hires the firm, prepare and serve the Notice of Intent.

How the NOI Works

From Request to Served Notice

You Request

Send the carrier, claim number, date of loss, and the denial or underpayment. Upload the denial letter and estimate if you have them.

We Prepare the NOI

Our attorneys review coverage and draft the statutory Notice of Intent — the disputed amount, the settlement demand, and the required itemization under F.S. 627.70152.

We Serve & Track the Clock

We serve the NOI on the Department of Financial Services, start the 10-business-day window, and handle the carrier's response — through to suit if needed.

When It Fits

When to Request an NOI

The carrier issued a final denial after your estimate and supplement
A lowball payment remains far below your documented scope
The carrier missed the 60-day pay-or-deny deadline (F.S. 627.70131)
Unreasonable delay, refusal to re-inspect, or misrepresented coverage
An appraisal dispute the carrier won't resolve in good faith
The policyholder is ready to escalate but the PA cannot file suit

This page is attorney advertising and general information, not legal advice, and submitting this form does not create an attorney-client relationship. A public adjuster cannot prepare or serve a pre-suit Notice of Intent or file suit; Louis Law Group, PLLC provides the legal services described here. A public adjuster may refer a policyholder, but the policyholder — not the public adjuster — is the client and alone decides whether to hire the firm and signs any representation agreement directly with Louis Law Group. The firm neither pays nor accepts referral fees. Whether an NOI is appropriate depends on the facts of each claim. The 10-business-day pre-suit notice period and related requirements reflect F.S. 627.70152 as amended and may change. Past results do not guarantee future outcomes. Contingency representation means no attorney's fees or costs unless we obtain a recovery. Louis Law Group, PLLC, Fort Lauderdale, FL.