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Insurance Consumer Advocate

Sha'Ron James

Contact Us
Mailing: 200 East Gaines St.
Tallahassee, FL 32399-0308

For Consumer Assistance:
Contact the Division of
Consumer Services within the
Department of Financial Services

Online at
Consumer Services
Toll-free in Florida
Out of State
(850) 413-3089
(850) 413-3033

Public Records Requests

Follow the ICA on Twitter

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Homeowners' Policy & Claims Bill of Rights Working Group

Topics of Discussion – Research Materials

Wednesday, July 17, 2013

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 / Policyholders’ Requirement to Mitigate Damage

Assignment of Claims:

Unauthorized Adjusting of Claims

Thursday, July 18, 2013

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

Guarantee 100% Replacement Cost on Evidence of Property Insurance (EPI)

Mediation and Appraisal

Policyholders’ Bill of Rights