Florida Statute 624.1551. Civil remedy actions against property insurers.
Florida Statute 624.1551. Civil remedy actions against property insurers.
Florida Statute 624.1551. Civil remedy actions against property insurers.
Purpose
What this statute does
The Florida Legislature titles this section "Civil remedy actions against property insurers." The full text is reproduced below.
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In practice
How it applies to your claim
Florida Statute 624.1551 is titled "Civil remedy actions against property insurers." Whether it reaches your claim depends on your policy language and the facts of your loss. If it fits, cite the section by number when you correspond with your carrier.
See also
Related statutes
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Quoted from the Florida Statutes
The text of Florida Statute 624.1551
Notwithstanding any provision of s. 624.155 to the contrary, in any claim for extracontractual damages under s. 624.155(1)(b), no action shall lie until a named or omnibus insured or a named beneficiary has established through an adverse adjudication by a court of law that the property insurer breached the insurance contract and a final judgment or decree has been rendered against the insurer. Acceptance of an offer of judgment under s. 768.79 or the payment of an appraisal award does not constitute an adverse adjudication under this section. The difference between an insurer’s appraiser’s final estimate and the appraisal award may be evidence of bad faith under s. 624.155(1)(b), but is not deemed an adverse adjudication under this section and does not, on its own, give rise to a cause of action.
Reproduced from the Florida Legislature's published text, retrieved July 26, 2026. Read it at flsenate.gov
Statutes are amended. Confirm the current text at the source before relying on it.
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Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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