What do I do if
Carrier is requesting medical records in my property claim.
Property claim medical record requests are rare and usually inappropriate.
Carrier is requesting medical records in my property claim.
Root cause
Why this happens
Property claim medical record requests are rare and usually inappropriate.
Know the law
Your rights as a Florida policyholder
You can refuse medical record production absent specific, relevant justification.
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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
Request written justification
- 02
Step 2
Consult attorney before providing
- 03
Step 3
Limit scope to specifically relevant records if justified
- 04
Step 4
Document refusal rationale
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Similar scenarios
Related problems
Carrier is demanding an Examination Under Oath.
Carriers invoke EUOs when they suspect fraud or want to lock in the claimant's sworn testimony before committing to coverage.
Carrier threatened non-renewal if I file a claim.
Carriers sometimes imply or state that claim filing affects renewability.
My carrier reduced my coverage at renewal without asking.
Carriers frequently adjust policy terms at renewal. Unilateral coverage reductions must be disclosed.
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 right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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See also
Other common problems
Carrier non-renewed after my claim.
Another situation Florida policyholders face mid-claim.
Attic damage not included in carrier scope.
Another situation Florida policyholders face mid-claim.
Seawall damaged.
Another situation Florida policyholders face mid-claim.
Emergency services billing dispute (variant 4).
Another situation Florida policyholders face mid-claim.
I'm too sick to handle my claim.
Another situation Florida policyholders face mid-claim.
My pet damaged someone else's property.
Another situation Florida policyholders face mid-claim.
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- ✓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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