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.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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.
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
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Carriers invoke EUOs when they suspect fraud or want to lock in the claimant's sworn testimony before committing to coverage.
Carriers sometimes imply or state that claim filing affects renewability.
Carriers frequently adjust policy terms at renewal. Unilateral coverage reductions must be disclosed.
Free claim review
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 next.
Know the law
Relevant statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
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All 67 Florida counties.
Every claim term defined.
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Common problems answered.
See also
Other common problems
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Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Free claim review
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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