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Insurance company stalling your hurricane claim?
Weeks without an adjuster. Months without a decision. The same documents requested again and again. Florida law gives insurers deadlines — and The Lawgical Firm can help hold them to those deadlines.
Claim stuck? Let's talk.
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Florida's claim-handling deadlines
| Step | General rule* |
|---|---|
| Insurer acknowledges your claim | Within 7 days of notice |
| Insurer begins its investigation / inspection | Promptly after notice; you are entitled to know who is adjusting your claim and to a copy of any detailed estimate |
| Insurer pays or denies (in whole or part) | Within 60 days of notice, unless factors beyond its control prevent it |
| Payment after the claim is agreed | Promptly, generally within days of settlement |
*Florida Statutes section 627.70131 and related rules; exact timelines depend on your policy and the date of loss, and can be extended after major catastrophes by emergency order.
Common delay tactics
- Repeated requests for the same documents or a new “proof of loss”
- Reassigning the claim to new adjusters who start over
- Re-inspections, engineer inspections and examinations under oath that push the decision out
- Paying the undisputed part and leaving the rest “under review” indefinitely
What you can do
- Keep a written log of every call, email and request, with names and dates.
- Respond to reasonable requests in writing and keep copies.
- Contact the Florida Department of Financial Services consumer helpline (1-877-693-5236) about an unresponsive insurer.
- Talk to an attorney if the 60-day mark has passed or your home is deteriorating while you wait.