Florida property-owner resource
How to File a Florida Insurance Complaint
A clear complaint identifies the specific problem, the records supporting it and the response you need. An administrative complaint and a repair-scope dispute may require different help.
Reviewed November 3, 2026. General information, not legal advice. Consult a Florida attorney about legal rights and deadlines.
Use Florida DFS’s official assistance route
Start with the Florida DFS Get Insurance Help page and its Consumer Assistance Portal. DFS asks consumers to raise the concern with the insurer first and retain the response. Use the current official instructions instead of an old list of individual agency employees.
Gather the insurer’s exact name, policy and claim numbers, loss date, declarations, correspondence and relevant supporting records. Explain the issue and requested response clearly. Review the public-records notice before submitting sensitive information.
Understand what DFS can and cannot do
DFS can obtain an insurer’s explanation and examine compliance. It does not provide legal advice, decide disputed facts, value your claim or act as your public adjuster. Its complaint process is different from mediation, a Civil Remedy Notice or litigation. Do not assume that submitting a complaint extends a deadline or guarantees payment.
Make the concern easy to evaluate
For a communication problem, organize the dated messages and identify which request remains unanswered. For an estimate dispute, list the specific rooms, quantities, materials or work items at issue and attach the supporting evidence. Separate a disagreement about facts from a legal disagreement about the policy.
Use measured, factual descriptions. A denial or low estimate does not by itself prove bad faith. Ask for the insurer’s written reasoning and identify the information that contradicts or clarifies it.
Choose help that matches the dispute
EPA can review property damage records and explain supported differences in scope or valuation when engaged. A qualified attorney should address legal remedies, releases and litigation deadlines. Engineers and licensed trades may be needed for technical cause or repair questions.
Our focus is luxury residential and complex property claims, with all owners welcome to call. A free initial review can help you explain where the claim stands and whether our services fit your needs. Representation requires a separate written agreement; no outcome is guaranteed.
Continue with claim payment timelines, appraisal and mediation or a property-claim review.
Start with a clear next step.
Tell us where the property is, what happened and where the claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to ask whether we can help.
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Do not delay emergency assistance, reasonable mitigation or required notice while awaiting a consultation. Public adjusting representation requires a separate written agreement describing services and fees.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters, LLC: firm license W807213. We are not a law firm and do not guarantee coverage or a settlement result.