Glossary · legal
Office of Insurance Regulation
Florida agency that regulates insurance carriers.
OIR oversees carrier licensing, solvency, and market conduct. Complaints and regulatory filings go through OIR. Public records are available.
In practice
Where you encounter "Office of Insurance Regulation"
Policyholders see "Office of Insurance Regulation" referenced in policy language, claim correspondence, and scope documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See FS 626.854 on public adjuster representation and FS 627.70131 on carrier duties.
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Know these too
Related terms
Continuous Trigger
Coverage theory where multiple policy years share a progressive loss.
Contingent Liability
Conditional coverage based on triggering events.
Concealment
Failure to disclose material information; can void coverage.
Cure Period
Time carrier has to correct a violation after notice.
Efficient Proximate Cause
The dominant cause in a chain of causation.
Examination Under Oath Waiver
Agreement to forgo the carrier's right to EUO.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 later.
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Related resources
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Glossary
Related insurance terms
Depreciation Schedule
Related glossary entry: Depreciation Schedule.
Repetitive Loss
Related glossary entry: Repetitive Loss.
Accidental Discharge
Related glossary entry: Accidental Discharge.
Florida Statute 627.70131
Related glossary entry: Florida Statute 627.70131.
Florida Statute 627.7142
Related glossary entry: Florida Statute 627.7142.
Business Interruption
Related glossary entry: Business Interruption.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
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