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SEND IN WRITING WITH PROOF OF DELIVERY (CLAIM PORTAL + EMAIL, OR CERTIFIED MAIL)
Policyholder:
[LEGAL BUSINESS NAME OR YOUR NAME]
By [FULL NAME], [TITLE]
[ADDRESS, CITY, FL ZIP] · [PHONE] · [EMAIL]
To:
[INSURANCE COMPANY] — Claims Department
Attn: [ADJUSTER NAME], license no. [NUMBER]
[ADDRESS OR EMAIL]
Policy no.: [NUMBER] · Claim no.: [NUMBER] · Date of loss: [DATE OF LANDFALL]
[CITY], [DATE]
Re: Claim no. [NUMBER] — no payment or denial within 60 days of notice (section 627.70131(7), Florida Statutes)
Dear [ADJUSTER NAME]:
1. Key dates
Event Date
Date of loss (hurricane landfall) [DATE]
You received my notice of claim [DATE]
Your acknowledgment [DATE OR "NONE RECEIVED"]
Proof-of-loss / documents sent [DATE]
Inspection [DATE OR "NOT DONE"]
Payments received [DATE AND AMOUNT OR "NONE"]
2. What is overdue
Section 627.70131(7)(a), Florida Statutes, requires an insurer to pay or deny a claim, or a portion of it, within 60 days after receiving notice of the claim, with a reasonable written explanation of the basis for any payment, denial or partial denial. My notice was received on [DATE]; the 60 days ended on [DATE]. As of today I have [RECEIVED NO PAYMENT OR DENIAL / RECEIVED ONLY $[AMOUNT] WITHOUT AN EXPLANATION OF THE DIFFERENCE].
[THIS SECTION APPLIES TO RESIDENTIAL POLICIES, TO COMMERCIAL PROPERTY CLAIMS FOR STRUCTURES OF 10,000 SQ FT OR LESS, AND TO CONTENTS UNDER A COMMERCIAL TENANT POLICY FOR PREMISES OF 10,000 SQ FT OR LESS. DELETE IT IF YOUR POLICY IS OUTSIDE THIS SCOPE.]
3. Interest
Under the same subsection, a payment made after the 60 days bears interest at the rate set in section 55.03, Florida Statutes, from the date you received notice of the claim.
4. My requests
1. Pay the undisputed amount of $[AMOUNT] now, with statutory interest from [DATE NOTICE RECEIVED].
2. For any part you deny, give me a written explanation of the policy basis, in relation to the facts or law.
3. Send me a copy of your adjuster's detailed estimate, if one exists.
4. Reply within [10] days of this letter.
Sincerely,
______________________________
[FULL NAME], [TITLE]
[LEGAL BUSINESS NAME]
Reply to this document or get a deadline reminder: https://layers.md/us/property-insurance-claim-60-day-demand-letter-florida?from=reply-us-isaias-60-day