Questions & answers · Home insurance
My Florida homeowners claim has been open a long time. What does Florida law require of the insurer?
Home insuranceSlow or stuckFloridaChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: Florida Statutes · § 627.70131(1)(a), (3)(a)-(b), (3)(e), (7)(a) «Insurer's duty to acknowledge communications regarding claims; investigation» View original ↗
In short
- In Florida, the insurer must confirm it got your claim within 7 days.
- It must pay or deny within 60 days after notice of the claim.
- Late pay earns interest, so mark the 60-day date.
What this means
Florida's statute for residential property insurers says [1]: • The insurer must review and acknowledge a claim communication within 7 calendar days, unless it pays within that time or factors beyond its control cause the delay. • Within 7 days after receiving proof-of-loss statements, the insurer must begin the investigation that is reasonably necessary. Any physical inspection must happen within 30 days after it receives the proof-of-loss statements. • The insurer must send you a copy of any detailed estimate within 7 days after its adjuster generates it. • Within 60 days after receiving notice of an initial, reopened or supplemental claim, the insurer must pay or deny the claim (or a portion), unless factors beyond its control cause the delay. It must give a reasonable written explanation of the basis for paying, denying or partly denying. Payment made after that period bears interest.
Your next step
+ deadline (Florida): count 60 days from the date the insurer received notice of the claim [1].
Where this comes from (1)
[1] Florida Statutes · § 627.70131(1)(a), (3)(a)-(b), (3)(e), (7)(a) «Insurer's duty to acknowledge communications regarding claims; investigation» · checked 2026-11-05
Upon an insurer's receiving a communication with respect to a claim, the insurer shall, within 7 calendar days, review and acknowledge receipt of such communication … within 7 days after an insurer receives proof-of-loss statements, the insurer shall begin such investigation as is reasonably necessary … An insurer must conduct any such physical inspection within 30 days after its receipt of the proof-of-loss statemen…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
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This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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