What do I do if
Carrier won't provide me a copy of my policy.
Carriers sometimes delay providing policy copies to limit your understanding.
Carrier won't provide me a copy of my policy.
Root cause
Why this happens
Carriers sometimes delay providing policy copies to limit your understanding.
Know the law
Your rights
FS 627.4137 requires carriers to provide policy copies on request.
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Get a free claim review from a licensed Florida public adjuster.
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 later.
What to do
Solution steps
- 01
Step 1
Request in writing via certified mail
- 02
Step 2
Cite FS 627.4137
- 03
Step 3
Give 10-day deadline
- 04
Step 4
File DFS complaint if ignored
No obligation. No fee unless recovery.
Dealing with this? Free review.
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Similar scenarios
Related problems
I lost my claim number.
Claim numbers are critical for tracking but easily misplaced.
Carrier wants to record/video the inspection.
Carrier documentation of inspection.
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 adjuster.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Bill of Rights.
FS 626.9744
Matching.
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See also
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Adjuster refuses to schedule inspection (variant 3).
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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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