What do I do if
My insurance company won't return my calls.
Non-responsiveness is sometimes organizational, sometimes tactical.
My insurance company won't return my calls.
Root cause
Why this happens
Non-responsiveness is sometimes organizational, sometimes tactical.
Know the law
Your rights as a Florida policyholder
FS 627.70131 requires reasonable communication. Florida Office of Insurance Regulation accepts complaints.
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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 attempt with date and time
- 02
Step 2
Escalate via written letter sent certified mail
- 03
Step 3
File DFS complaint at myfloridacfo.com
- 04
Step 4
If pattern continues, consider public adjuster or attorney
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Similar scenarios
Related problems
The carrier is pushing for a recorded statement.
Recorded statements become the canonical version of events. Carriers use them to lock in your story before you've documented fully.
Tree fell on my car. Homeowners says auto. Auto says homeowners.
Vehicle damage at home is an auto comprehensive claim, not homeowners.
Someone hit my house and fled.
No identifiable at-fault party means no subrogation target.
My neighbor's tree fell on my house. Whose insurance?
Confusion about tree-owner liability is common.
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 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
Go deeper
Related resources
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See also
Other common problems
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Free claim review
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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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