QUICK LINKS
Consumer Helpline
1-877-MY-FL-CFO
(1-877-693-5236)
TDD line: 1-800-640-0886
Out of State: (850) 413-3089
Hours of operation:
8:00 am - 5:00 pm (EST)
Monday - Friday
Florida law provides informal alternative dispute resolution programs for certain types of insurance claims. If you have a claim dispute with your insurer, our programs may help you to resolve it prior to taking legal action. If your insurer maintains a position regarding your claim which you find unsatisfactory, mediation will allow you to sit down face to face with the company and a neutral third party mediator licensed by the Department of Financial Services (DFS) to try and resolve your differences. The mediator acts to encourage and assist in the resolution of the dispute without dictating the outcome. If you have a sinkhole claim dispute, our sinkhole Neutral Evaluation program will provide a neutral third party professional to review the findings of the insurer.
Both mediation and sinkhole neutral evaluation are non-binding. Neither the insured nor the insurance company is legally obligated to accept the outcome of the mediation conference.
The following programs are currently available:
If you are having difficulty with your claim and are interested in one of our mediation programs, you may contact the DFS using the information listed below. Please note that the DFS may open a service request on your behalf and attempt to resolve the dispute with your insurer prior to scheduling a mediation hearing.
For more information visit our Insurance Library mediation page.
The Neutral Evaluation Program provides a professional to determine the existence and scope of a sinkhole loss.
English 586k
Forms used for sinkhole claims:
The Department of Financial Services stands ready to assist consumers who are having difficulty getting residential insurance claims resolved.
English 900k 2009
Spanish 900k 2009
The Department of Financial Services stands ready to assist consumers who are having difficulty getting commercial residential insurance claims resolved.
Forms used for commercial residential claims:
Mediation can assist when you are having difficulty getting an auto insurance claim resolved.
English 3.5 MB 2008
Spanish 3.5 MB 2009
Forms used for auto claims:
- Automobile Request for Mediation
Mail completed form to DFS.
