Every document references the Florida statutes that matter — §627.70131, §624.155, §627.7011. Generate a professional, carrier-ready document in 90 seconds.
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Florida has some of the strongest policyholder protections in the country. These statutes are cited in every document we generate.
Carriers must pay or deny a claim within 90 days of receiving proof of loss. Failure triggers bad faith exposure and interest penalties.
Generate Claim TimelineBefore suing for bad faith, you must file a Civil Remedy Notice giving the carrier 60 days to cure. This is the document that changes the conversation.
Generate Bad Faith Demand LetterFlorida policyholders with RCV policies are entitled to full replacement cost — not depreciated ACV — once repairs are completed. Supplement requests enforce this.
Generate Supplement Request LetterEither party may invoke appraisal when there is a disagreement on the amount of loss. A detailed scope of loss is essential before invoking appraisal.
Generate Scope of Loss ReportFlorida requires a sworn proof of loss within 60 days of a carrier request. Missing this deadline can void your claim. Use our template to file on time.
Generate Proof of Loss StatementSupplemental claims must be filed within 3 years of the date of loss. Document every discovered item of damage with a formal supplement request.
Generate Supplement Request LetterEvery document includes Florida statute citations, carrier-specific language, and the exact format insurance companies expect.
Itemized damage estimate with Xactimate codes and FL RCV calculations.
Formal demand citing FL §627.70131 with a 15-day payment deadline.
Civil Remedy Notice under FL §624.155 with 60-day cure period.
Sworn statement meeting FL §627.736 requirements, ready for notarization.
Supplement citing FL §627.7011 RCV entitlement and §627.70132 deadline.
Chronological record tracking FL §627.70131 carrier response deadlines.
Florida has the highest volume of property insurance claims in the United States — over 1.3 million annually. With carriers aggressively underpaying and denying claims, Florida public adjusters need documents that cite the right statutes and apply the right pressure.
Every document cites the applicable Florida statute — §627.70131, §624.155, §627.7011, and more.
Generate a complete, carrier-ready document in 90 seconds — not 90 minutes.
Xactimate line items, Miami-Dade and Broward pricing, and FL-specific carrier language built in.
Used by licensed Florida public adjusters handling residential and commercial claims statewide.
Florida Statute 627.70131 requires carriers to pay or deny claims within 90 days of receiving a complete proof of loss. Florida Statute 624.155 governs bad faith claims and requires a Civil Remedy Notice before filing suit.
Under Florida Statute 627.70131, an insurer must pay or deny a claim within 90 days of receiving proof of loss. For hurricane claims declared a state of emergency, this deadline may be extended to 90 days from the end of the emergency declaration.
Yes. A licensed Florida public adjuster can re-open denied claims, prepare a complete scope of loss, and file a formal demand letter citing the applicable Florida statutes. Many denied claims are successfully reopened with proper documentation.
A Civil Remedy Notice (CRN) is a formal notice filed under Florida Statute 624.155 that gives an insurance company 60 days to cure acts of bad faith before a lawsuit can be filed. It is a prerequisite to any bad faith lawsuit in Florida.
Under Florida Statute 627.70132, supplemental claims must be filed within 3 years of the date of loss. A formal supplement request letter itemizing newly discovered damage and citing the RCV entitlement under §627.7011 is the standard approach.
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