A Civil Remedy Notice is part of a specific legal process. It is not a finding of wrongdoing, a routine claim-status request or a substitute for the evidence needed to support a property insurance claim.
Florida Property Claim Articles
Practical guidance for Florida homeowners, with a focus on luxury properties and complex losses. Explore our claim resource center, luxury insurer guides or Florida service areas.
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An article can explain the process. A conversation lets us understand your property, the damage and where your claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to call.
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Browse current guidance and clearly labeled historical resources below. Policy terms, dates and loss facts matter; do not delay required notice, reasonable mitigation or emergency assistance while awaiting a review.
Keeping or Discarding Damaged Property After a Loss
Protect people first. Preserve useful evidence when it is safe, while arranging reasonable steps to prevent further damage. A blanket instruction to keep every damaged item can be unsafe.
Additional Living Expenses After a Florida Property Loss
If damage forces you out of your home, ask the insurer about loss-of-use coverage promptly. Eligibility, limits and the period of payment depend on your policy and the facts.
Florida Condominium Law and Insurance Claims
A condominium loss can involve the association, individual owners and more than one policy. Clear responsibility and organized damage records help avoid gaps and overlap.
Florida HOA Law and Master-Policy Claims
An HOA master-policy claim starts with the association’s insured property and authority to act. Keep that claim distinct from each homeowner’s individual coverage.
Florida Public Adjuster Apprentice Appointments
A public adjuster apprenticeship is an appointment held with an all-lines adjuster license. Applicants should use the current Florida Department of Financial Services requirements before taking action.
Florida Public Adjuster Rules: Section 626.854
Before engaging a public adjuster, understand the proposed services, fee and cancellation rights. The actual agreement and applicable Florida requirements matter.
Florida Insurer Communication Duties: Acknowledgments, Estimates and Updates
When you report damage or send documents, keep proof of what you sent and when. Florida’s claim-communication rules provide useful milestones, but a missed response and a disputed payment are different issues.
Mold, Moisture and Your Property Insurance Claim
A musty odor, stained wall or wet cabinet calls for investigation—not a guess about when mold started or an automatic promise that insurance will pay.
Florida Condominium Insurance Statutes: Use the Current Chapter 718
This page previously listed the 2018 condominium statutes. Associations and unit owners should use the current law, applicable historical provisions where relevant, governing documents and actual policies when evaluating a claim.