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Tips and Advice

Did You Know That You Have Certain Rights as a Homeowner?

Florida Statute 627.7142 lays out the Homeowner Claims Bill of Rights.  First, the Bill of Rights sets a definite timeline for communication from your insurance company once you have filed a claim:

  • Within 14 days after you file a claim, you have the right to receive an acknowledgment from your insurance company.
  • Within 30 days after you file a Proof of Loss form with your insurance company, you have the right to be notified of your claim’s status (fully covered, partially covered, denied, or being investigated).
  • Within 90 days, you have the right to receive full settlement, payment of the undisputed part, or denial of your claim.

The Florida Homeowner Claims Bill of Rights also calls for free mediation services for a disputed claim from the Florida Department of Financial Services, Division of Consumer Services.  The Department of Financial Services is a valuable source of help for homeowners experiencing issues with their insurance claims.