What do I do if
The adjuster has not responded in 3 weeks.
Carrier backlog, adjuster overload, or case abandonment.
The adjuster has not responded in 3 weeks.
Root cause
Why this happens
Carrier backlog, adjuster overload, or case abandonment.
Know the law
Your rights as a Florida policyholder
FS 627.70131 requires reasonable response time. Escalation is appropriate.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Document every call and email with timestamps
- 02
Step 2
Email the adjuster's supervisor directly
- 03
Step 3
Escalate to carrier's executive complaint line
- 04
Step 4
File DFS complaint if no response after 30 days
- 05
Step 5
Consider engaging a public adjuster
No obligation. No fee unless recovery.
Dealing with this problem? Free review.
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Similar scenarios
Related problems
Multiple adjusters gave me conflicting information.
Handoffs between adjusters introduce errors and misalignment.
My tree fell on multiple properties; whose insurance covers what?
Multi-property tree damage creates multiple first-party claims.
Carrier requesting my tax records.
Tax record requests are rare and usually unwarranted.
Carrier closed my claim without notice.
Claims are sometimes administratively closed without clear notification.
Carrier retaliating after I filed complaint.
Retaliation after complaints is prohibited but occurs.
Free claim review
Still building your claim? We can help right now.
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.
Know the law
Relevant 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.
Go deeper
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See also
Other common problems
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Contractor bond payout dispute (variant 3).
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Specimen trees destroyed.
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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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