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Insurance Consumer Advocate

Steve Burgess


Mailing: 200 East Gaines St.
Tallahassee, FL 32399-0318
Contact Us

For Consumer Assistance: Please contact the Division of Consumer Services within the Department of Financial Services online at Consumer Services or by phone at 1-877-MY-FL-CFO (1-877-693-5236), toll-free in Florida, and (850) 413-3089 from out of state.

Public Records Requests

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Homeowners' Policy & Claims Bill of Rights Working Group

Florida’s Insurance Consumer Advocate recently partnered with Tasha Carter, Division Director, Division of Consumer Services, and held numerous Homeowners’ Insurance Consumer Forums throughout Florida. The forums were an opportunity to hear first-hand from Florida’s policyholders who have experienced a homeowner insurance loss. Based on the information gathered from policyholders at these forums, ICA Robin Westcott has established a working group to review the claims handling process and other identified topics of concern.

The topics to be discussed by the working group include:

  • Adjusting & Investigating the Claim - Examinations Under Oath
  • Post-Claim Underwriting & Material Misrepresentation on the Application
  • Solicitation of Consumers within 48 – 72 Hours of a Loss and Policyholders’
         Requirement to Mitigate Damages
  • Assignment of Claims and Unauthorized Adjusting of Claims
  • Insurers’ Right to Repair – Safeguards and Warranties for Consumers
  • Non-Renewal of Policies – Post-Claim but Prior to Repairs
  • Mortgage Company Withholding of Funds for Repairs for Loans in Arrears and
         Guarantee 100 Percent Replacement Cost
  • Mediation and Appraisal
  • Other Issues Indentified by the Working Group

The goal will be a comprehensive report that provides recommendations for addressing each item either administratively or through proposed legislation. In addition, the working group will review the current Policyholders’ Bill of Rights.

Leadership

Robin Smith Westcott, Esq.
Insurance Consumer Advocate

Staff Support


Telephone: 850/413-2970

Location: Office of the Florida Insurance Consumer Advocate
Lower Level 22, The Capitol
Mailing: 200 East Gaines Street, Tallahassee, FL 32399-0308

List of Participants

Conference Calls

Tuesday, July 30, 2013, from 10:00 AM to 11:30 AM
Conference Call-In Number: 850-413-1558
Conference ID: 94583

Friday, August 2, 2013, from 10:30 AM to 12:00 PM
Conference Call-In Number: 850-413-1558
Conference ID: 62038

Monday, August 12, 2013, 10:00 AM to 11:30 AM
Conference Call-In Number: 850-413-1558
Conference ID: 5836899

Group Meeting Dates

Date: Wednesday, July 17, 2013, 10:00 a.m. – 5:00 p.m. Agenda
Location: House of Representatives, Capitol Complex
House Office Building, Committee Room 404
402 S. Monroe St., Tallahassee, FL 32399-1300
Conference call-in number 850-413-1558, Conference ID: 6125894.
Working Group Meeting Materials

Video of the July 17 Meeting

Part 1

Part 2

Date: Wednesday, July 18, 2013, 10:00 a.m. – 5:00 p.m. Agenda
Location: House of Representatives, Capitol Complex
House Office Building, Committee Room 404
402 S. Monroe St., Tallahassee, FL 32399-1300
Conference call-in number 850-413-1558, Conference ID: 6125894

Video of the July 18 Meeting

Part 1

Part 2

Part 3

Date: Monday, August 19, 2013
Location: Pinellas Realtors Organization, 4590 Ulmerton Road, Clearwater, FL 33762
Time: 1:00 PM to 6:30 PM 
Map and Directionshttp://www.pinellasrealtor.org/get-connected/directions-to-pro.aspx
Conference call-in number: (850) 413-1558 
Conference ID: 81583

The workshops will be televised on the Florida Channel - WFSU athttp://thefloridachannel.org/.


Recommendations and Research Materials

Press Releases/In the News

Florida CFO Applauds Governor for Signing Legislation Creating Homeowner Claims Bill of Rights 6/13/2014

Insurance Consumer Advocate Forms Homeowners’ Policy & Claims Bill of Rights Working Group 7/10/2013