EMERGENCY FINANCIAL PREPAREDNESS TOOLKIT
HOMEOWNER CLAIMS BILL OF RIGHTS
As outlined in s. 627.7142, Florida Statutes, the Homeowner Claims
Bill of Rights relates to the insurance claims process, and outlines your
rights and responsibilities as a homeowners insurance policyholder.
In summary, per the Homeowner Claims Bill of Rights:
1. Your insurance company must send you an acknowledgment of
your insurance claim within 14 days after you submitted the claim.
2. Within 30 days after you have submitted a complete proof-of-loss
statement, if requested in writing, your insurance company must
send you conﬁrmation that your claim is covered in full; partially
covered; denied; or being investigated.
3. Within 90 days, you should receive full payment; payment of the
undisputed portion of your claim; or a written denial of your claim.
Please note, if there is dual interest in the claim, i.e. your mortgage
company may be a party, this payment may be submitted to both
4. You may be eligible to participate in a free mediation to resolve
your disputed claim by contacting the Florida Department of
Financial Services, Division of Consumer Services.
5. You may be eligible to participate in a free Neutral Evaluation to
resolve your disputed claim if your claim is for damage caused by a
sinkhole and is covered by your policy.
For assistance with any insurance claim or questions pertaining
to the handling of your claim, contact the Florida Department
of Financial Services, Division of Consumer Services’ toll-free
Insurance Consumer Helpline at 1.877.693.5236, or online at
In summary, in accordance with the Homeowner Claims Bill of