Florida Property Claim Articles

You can still seek qualified help after property damage. Florida’s AOB reform changed the transfer of insurance benefits; it did not create a blanket ban on hiring your own remediation company, roofer or expert.

Some recent Florida reforms made pursuing disputed benefits more costly for owners. Other measures added insurer oversight and consumer protections. A useful claim strategy recognizes both rather than assuming every reform benefits the same party.

Do not assume an insurance lawyer is free, or that fee recovery is impossible. The answer depends on the policy, applicable law, the case and the written fee agreement. Florida’s 2022–2023 reforms changed a major source of payment …

Florida’s recent insurance changes occurred across several sessions. This page separates the 2023 developments from the May and December 2022 reforms, and points readers to current guidance instead of outdated grant eligibility or claim-processing deadlines.

Strengthening a home before a storm and claiming payment for existing damage are different tasks. Use the official My Safe Florida Home program for inspection and grant applications; contact EPA about a property insurance claim.

HB 837 became law in March 2023 and changed multiple civil-remedy rules. A property-insurance article must distinguish those changes from liability-insurance provisions and from the separate December 2022 property reforms.

Florida’s December 2022 special-session legislation changed several assumptions owners previously relied on when pursuing property claims. This summary highlights the decisions that deserve a fresh review; our detailed SB 2-A guide provides the broader explanation.

HB 1185 became law in 2023. This page explains its historical place in Florida’s insurance changes and directs you to the rules that apply today.

The right public adjuster for your property should be able to explain the work, the agreement and who will be accountable for your claim. Use specific evidence when comparing firms.

After a tropical storm, damage may involve wind, rain intrusion, rising water and different insurance policies. Record the evidence for each part of the loss rather than relying on a single storm label.