Security First Public Adjuster. FL Claim Help.

Security First is a Florida-domestic carrier active in Florida's property insurance market. This profile covers how they handle claims, common issues policyholders report, and what to know when you file.

Depositing a partial payment does not settle your claim. What settles a claim is a release, or a check that is expressly conditioned as full and final settlement, or a signed proof of loss agreeing to a number. A partial indemnity payment is none of those. Cash it and start work. What you do have to check, and check every time: look at the check, front and back, and look at the letter. What it does not mean is that $9,000 is what you get. That number is the replacement cost minus depreciation minus your deductible, and the depreciation portion is recoverable when you replace the roof. It is your money, held. The playbook. First, before anything else, check whether $31,000 is even the right replacement cost number. Everybody fixates on the depreciation and nobody audits the underlying scope. Second, confirm which deductible they applied. Hurricane, all other perils, and the separate roof deductible if one was elected are three different numbers and they get applied wrong regularly. Third, get a contractor who will work off the ACV with a draw schedule. Under 627.7011 the carrier owes the remaining amounts as the work is performed. Fourth, keep everything. The depreciation release is a documentation exercise and the people who lose it are the ones who did the work and kept no paper.

Two separate questions in there and the answers are different. Do they have to give a recorded statement. Generally yes, in the sense that your policy contains a duty to cooperate, and cooperating with the investigation typically includes giving a statement. Do they have to give it in forty eight hours or lose the claim. No. There is no forty eight hour rule anywhere in Florida law. Their own statutory clock keeps running regardless: they still have to acknowledge within seven days, begin the investigation within seven days of proof of loss, and pay or deny within sixty days under 627.70131. So the answer is: yes, and on a reasonable schedule that you confirm in writing. That single email converts an ultimatum into a calendar item. Then prepare. Do not guess. Not about the age of the roof, not about when you last had work done, not about prior claims, not about dates. Do not offer opinions about causation. Do not estimate dollar figures off the top of your head. And do not fill silence. Ask for a copy of the recording. Nobody should give a recorded statement about dates and dollar figures from memory in their driveway.

— Eli Goins, Florida licensed public adjuster #P159790. Ocean Point Claims Company (FL DFS #W829547).

Security First follows standard Florida claim-handling protocols under Florida Statute 627.70131: 7 calendar days to acknowledge a claim communication, 30 days to conduct any physical inspection after receiving proof-of-loss statements, and 60 days to pay or deny after receiving notice of the claim. Timing and thoroughness vary across carriers.

If your claim with Security First is delayed beyond statutory windows, scoped below your actual damage, or denied on marginal grounds, a licensed Florida public adjuster can review and represent you. We operate under FS 626.854 exclusively for policyholders. The Homeowner Claim Bill of Rights outlines what Security First owes you.