A property claim involves several deadlines—not one promise that every loss will be fully settled within a fixed number of days. Keep the claim notice, requests for information, inspection dates and payment letters together.
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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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.
2020 SB 1404 Water-Loss Proposal: Historical Context
This page originally carried a time-sensitive advocacy alert from the 2020 legislative session. That call to contact lawmakers has expired and has been removed.
Proof of Loss in Florida: Forms, Deadlines and Supporting Documents
A proof of loss is a formal statement supporting an insurance claim. It can affect important policy rights, so confirm the required form, deadline and supporting documents before signing.
Choosing a Water Damage Restoration Technician in Florida
The restoration company you hire should be able to explain its work, document conditions and identify the qualified people responsible for the project. A professional-looking truck or an equipment list does not answer those questions.
Window Damage, Water Testing and Florida Insurance Claims
Water around a window can raise several questions: where it entered, what was damaged and what repair is supported. We help owners organize qualified findings and itemized repair proposals for the insurance claim.
Senate Bill 914 (2020): Historical Proposal and Current Attorney-Fee Guidance
This is a historical legislative reference. The Florida Senate’s official record for SB 914 (2020) shows that the contingency-risk-multiplier proposal died in committee on March 14, 2020. It is not pending legislation and should not be treated as …
Insurance Appraisers and Real Estate Appraisers in Florida
Real estate valuation and an insurance-policy appraisal are different assignments. The qualifications, scope, financial arrangements and policy wording need to match the work being requested.
Florida Statute 627.428: Repeal and Older Policy Claims
Section 627.428 was repealed in 2023. This page previously reproduced the older attorney-fee statute and said an insured could sue at no cost if successful. That statement is not an accurate general description of current Florida property-insurance claims.
Public Adjusters, Disinterested Appraisers and Examinations Under Oath
A public adjuster’s role in documenting and negotiating a property claim is different from serving as an appraiser or providing legal representation at an examination under oath.
Garcia: Causation and Insurance Appraisal in Context
A disagreement about why damage occurred can affect both coverage and the amount of loss. The appraisal clause, insurer’s actual position and governing law determine which issues can be submitted to appraisal.