Areas of Practice

Florida Homeowner Claims Bill Of Rights

Experienced disaster recovery specialists guide Floridians through claims process

When you have sustained damage or loss to your property, filing a claim with your insurance company for compensation can be frustrating and time consuming. The experienced Florida disaster recovery specialists at Ged Lawyers, LLP successfully navigate the homeowners claims process and protect homeowners rights under Florida law.

What is homeowners insurance?

Homeowners insurance is a form of property insurance that covers damage or loss due to theft, fire, and storm damage. Homeowners insurance may also insure the owner for accidental injury or death in situations when the homeowner is legally responsible. Most mortgage lenders will require that homeowners obtain homeowners insurance.

What is the Homeowner Claims Bill of Rights?

Florida statutes outline a Homeowner Claims Bill of Rights, which is a summary of the rights of a residential property insurance policyholder who files an insurance claim of loss. Under Florida’s Homeowner Claims Bill of Rights, any insurer that issues a personal lines residential property insurance policy in the state of Florida must present the policyholder with a Homeowner Claims Bill of Rights within 14 days of receiving the claim.

The Homeowner Claims Bill of Rights only pertains to the homeowners insurance claims process. It does not reflect all of the homeowner’s rights regarding their insurance policy as specified under Florida law, nor does the Homeowner Claims Bill of Rights constitute a civil cause of action by a policyholder against an insurance company. If an insurer fails to properly present the policyholder with the Homeowner Claims Bill of Rights, they are subject to enforcement by the Florida Office of Insurance Regulation.

Understanding your rights

According to Florida statutes, the policyholder filing the insurance claim has the right to:

  • Receive an acknowledgement from the insurance company of the reported claim within 14 days of the claim was communicated.
  • Receive within 30 days of the submission of a completed proof-of-loss statement to the insurance company, confirmation that the claim is being investigated, denied, covered in full, or partly covered.
  • Receive payment within 90 days for full settlement of the claim or for the undisputed portion of the claim, subject to any dual interest specified in the insurance policy.
  • Receive free mediation of the disputed claim by the Florida Department of Financial Services Division of Consumer Affairs, subject to certain restrictions.
  • If the disputed claim is for sinkhole damage and is covered by the insurance policy, you may receive neutral evaluation of the claim.

Filing a homeowners claim? Let us help

Even though you have kept up with your insurance premium payments for months or years, receiving just compensation for your property damage or loss is not a simple, straightforward process. Let us help. The skilled Florida disaster recovery attorneys at Ged Lawyers, LLP are experienced and knowledgeable, ensuring your rights are protected under the Florida Homeowner Claims Bill of Rights and you receive the compensation you deserve after a devastating disaster. Contact a member of our team today at 844-443-3529 or contact us online to schedule a confidential consultation to discuss your case.