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National Association of Insurance Commissioners Life Insurance Policy Locator

The National Association of Insurance Commissioners (NAIC) currently provides the Life Insurance Policy Locator service to assist consumers and family members in locating life insurance policies and annuity contracts of a deceased family member. The service is a free online tool that was launched in 2016 and is available on the NAIC’s website.

Upon submission of a request to obtain life insurance policy information, the NAIC asks participating companies to search their records to determine whether they have a life insurance policy or annuity contract in the name of the deceased individual.

If a life insurance policy is located, the insurance company will respond to the requestor, if that individual is the designated beneficiary or is authorized to receive the policy information.

NAIC Life Insurance Policy Locator

Workers' Compensation Proof of Coverage Search

The Division of Workers' Compensation Proof of Coverage search allows you to verify  the entities you do business with have proper workers' compensation insurance coverage. If an individual you've hired to perform work on your property does not have proper coverage, you could be held responsible for any injury or damage that occurs. This could include bodily injury to an individual or even damage caused to neighboring properties.

Never allow a contractor to inspect your property, including your roof, until you have verified that they are a licensed, reputable contractor with proper workers' compensation coverage. Contractors should be willing to provide you with evidence of their Certificates of Insurance for General Liability and Workers’ Compensation.

Division of Workers' Compensation Proof of Coverage Search

Insurance Agent and Agency Licensee Search

The Florida Department of Financial Services’ Division of Insurance Agent and Agency Services provides a Licensee Search Database for consumers to verify if an individual is licensed as an insurance professional in the state of Florida.

To verify an insurance professional's license: LicenseeSearch.FLDFS.com

Office of Insurance Regulation Active Company Search

The Florida Office of Insurance Regulation (OIR) licenses and regulates insurance companies operating in Florida to promote a stable and competitive insurance market while maintaining protections for consumers. The OIR provides an Active Company Search tool for consumers to verify the status of insurance companies and obtain full names, business addresses, and identifying information for companies/entities doing business in the State of Florida. 

Florida Office of Insurance Regulation Active Company Search

Department of Business & Professional Regulation Contractor License Search

The Florida Department of Business & Professional Regulation (DBPR) licenses and regulates businesses and professionals in Florida. Professionals that require a license through DBPR include the construction industry, home inspectors and electrical contractors. For a complete list of services that require a Department of Business & Professional Regulation license, please review the DBPR's resource: Services Requiring a DBPR License

To verify a contractor's license: Verify a License - www.MyFloridaLicense.com

Florida Department of State Business Registration Search

The Florida Department of State Division of Corporations provides consumers with Sunbiz.org, an online tool to search for businesses registered in Florida. Sunbiz.org allows you to verify a business, corporation or LLC is registered with the state of Florida and provides useful information on the business including the registered business name, registered agent and company address.

To verify a business is registered with the Florida Department of State: Sunbiz.org

Report Insurance Fraud or File a Complaint

Fraud Reporting and Formal Complaints

DFS Division of Investigative and Forensic Services (DIFFS) Police Badge

Report Insurance Fraud

The Florida Department of Financial Services’ Division of Investigative and Forensic Services is responsible for investigating criminal acts of suspected insurance fraud perpetrated by individual citizens, insurance agents, insurance companies and businesses.

Examples of insurance fraud include:

  • False or inflated property damage or theft 
  • Intentional damage to receive insurance funds
  • Fake death claims/falsified beneficiary claims
  • Submitting forged documents to receive insurance coverage or funds
  • Faking injury to receive workers' compensation benefits
  • Unlicensed and/or unauthorized activity
  • Inflating the cost of the service provided or billing for unnecessary services
  • Double billing or billing for services that were not provided
  • Falsifying information to get a consumer more coverage
  • Employers under-reporting employee data to obtain lower premiums for workers' compensation insurance


Report Insurance Fraud Online:

Department of Financial Services Fraud Hotline:

Insurance Consumer Helpline

File an Insurance Complaint

The Florida Department of Financial Services’ Division of Consumer Services’  Insurance Consumer Helpline is able to assist with your insurance concerns and complaints.

  • Difficulties settling an insurance claim
  • Improperly denied claim
  • Uncertainty of your rights as an insurance consumer

The Division of Consumer Services has experienced Insurance Specialists continuously trained and informed in 26 different categories of insurance so they can fight for Floridians in insurance claim disputes and help consumers make informed financial decisions. They will take the lead in working with your insurance company to:

  • Resolve your insurance concerns
  • Review your coverage options
  • Ensure that your claim is processed in a timely and appropriate manner
Insurance Consumer Helpline

Insurance Consumer Helpline

1-877-MY-FL-CFO (693-5236)

Free Legal Assistance Options

Florida Free Legal Answers - American Bar Association

Florida Free Legal Answers is a virtual legal advice clinic in which qualifying users post civil legal questions to be answered by licensed attorneys. Attorneys provide information and basic legal advice on non-criminal legal matters such as family law, financial, consumer issues, education, employment, housing, health and disability, civil rights, juvenile law, workers’ compensation, wills and estate planning. 

The Florida Bar - Young Lawyers Division Logo

Disaster Legal Services Hotline


Disaster Legal Services Hotline - The Florida Bar Young Lawyers Division

The Florida Bar Young Lawyers Division Disaster Legal Services Hotline provides free legal assistance to survivors affected by a Presidentially declared major disaster. Disaster survivors facing legal issues may call the hotline, leave a message and a lawyer will return their call. Callers should identify that they are seeking storm-related legal assistance, the county which they are located and their legal problem. Lawyers may also assist in navigating disaster recovery options available through FEMA and other organizations. 

Contact Your ICA

Tasha Carter

Florida's Insurance Consumer Advocate
Office of the Insurance Consumer Advocate
200 East Gaines Street, Tallahassee, FL 32399
Phone: (850) 413-5923
Email: YourFLVoice@MyFloridaCFO.com