Demand payment from insurance companies that wrongfully denied your legitimate claim. This template is customized for Florida residents with relevant state law citations.
Florida Legal Requirements
Your demand letter should reference Florida-specific laws including Florida Statutes § 627.730 (No-Fault).
- Florida Statutes § 627.730 (No-Fault)
- Florida PIP Law
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Florida small claims court or file a complaint with Florida Office of Insurance Regulation.
The Insurance Checkmate Strategy
Documentation is Your Weapon
Police reports, photos, medical bills, repair estimates… gather everything.
Time is Money (Literally)
Most states have deadlines for insurance responses. Know them.
Calculate Everything
Property damage, medical bills, lost wages, pain and suffering… don't miss a thing.
The Insurance Company's Playbook
Many states have 'bad faith' laws that penalize insurance companies for unreasonable delays or lowball offers.
Insurance Claim Denial FAQs for Florida
What laws protect me in Florida for insurance claim denial?
Florida consumers are protected by Florida Statutes § 627.730 (No-Fault) and Florida PIP Law. Your demand letter should reference these specific statutes.
What is the small claims limit in Florida?
The small claims court limit in Florida is $8,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Florida?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Florida Demand Letter
Generate a professional insurance claim denial demand letter tailored for Florida. Our free tool includes relevant state law citations.
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