Florida homeowners, like other homeowners throughout the U.S., forego filing insurance claims for minor items, such as a broken window or damaged storm door, because they know their premiums might be raised. When they do file a claim, it is for something significant, and they expect it to be approved. When they receive a letter from the insurer denying the claim or fail to hear anything at all, they are understandably puzzled, to say the least.
If you just filed a Florida homeowners claim with the carrier of your homeowner’s insurance policy, things will start to move relatively quickly. In fact, Florida law provides for a bill of rights for homeowner claims.