Experienced Public Adjusters · Florida property claims
Arbitration in Florida Property Insurance Claims
An arbitration provision can change how a property-insurance dispute is resolved. Read the actual endorsement and signed election before assuming arbitration is required, optional or equivalent to appraisal.
Reviewed November 3, 2026. General information; the policy, loss facts and applicable law control.
Florida requires more than a sentence in a policy
Section 627.70154, Florida Statutes, permits mandatory binding arbitration in a Florida property policy only when all specified conditions apply:
- A separate arbitration endorsement is attached.
- The premium includes an actuarially sound credit or discount.
- The policyholder signs an election disclosing surrendered rights, including jury trial.
- The endorsement requires the insurer to comply with the statutory mediation provisions before arbitration.
- The insurer also offers a policy without mandatory arbitration.
The provision was enacted in 2022. It did not require every Florida property claim to go through arbitration. An attorney should evaluate the documents, enforceability and rights in your particular dispute.
Appraisal, mediation and arbitration are different
Appraisal generally addresses the amount of loss under a policy’s appraisal clause. Mediation uses a neutral person to help the parties negotiate; a resulting signed settlement can have binding consequences. Arbitration may place a broader dispute before an arbitrator under an applicable agreement and law. Availability, scope and cost depend on the governing terms.
Read our Florida appraisal and mediation guide. Do not assume arbitration will be faster, cheaper or produce a better result. Do not sign an election, settlement or release without understanding its effect.
Documents to take to a legal consultation
- The full policy and every endorsement, including the arbitration endorsement.
- The signed election and documents showing the offered coverage choices.
- Premium records and the identified credit or discount.
- The insurer’s coverage position and any arbitration or mediation notices.
- The claim chronology, estimates, payments and outstanding information requests.
- Any response deadline stated in a notice.
Provide the actual documents rather than relying on a summary from a salesperson, adjuster or online article. A lawyer can explain legal rights, procedural choices, costs and any available challenge or review. Keep claim duties and response dates on a separate calendar while seeking advice.
Our role is the property-claim evidence
Experienced Public Adjusters can assist with photographs, measurements, repair estimates, records and supported differences in the claim when engaged. We do not provide legal advice or serve as a substitute for legal representation in arbitration. Legal arguments, enforceability and litigation strategy belong with qualified counsel.
Luxury homes and complex losses often involve several specialist reports and detailed finish schedules. A well-organized file helps distinguish what each professional observed from what still needs investigation. For an initial discussion, request a free claim review. All property owners are welcome.
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.