Q:

How do you file insurance complaints in Florida?

A:

Quick Answer

Florida residents have the option of filing a formal insurance complaint with the Division of Consumer Services, according to the Florida Department of Financial Services. The Division employs specialists who receive daily updates concerning changes in state insurance laws to answer residents' questions and help open the complaint.

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Full Answer

In order to file a complaint, a consumer should provide policy details and his contact information, and describe the nature of the problem. Residents who do not have all the required information should file the complaint by phone, advises the Department website. Upon receiving the complaint or question, the Department assigns it to a specialist who provides the necessary assistance.

Once the consumer opens the formal complaint, state statutes give the insurance company 20 days to respond, reports the Department. As of 2015, most companies respond quickly, allowing the Department to close the case within 30 days. However, inaccuracies in the insurance company name can cause significant delays in resolving the issue.

Information submitted in the claim becomes public record, warns the Department. Before it releases the record, the Department removes any confidential materials, including Social Security and policy numbers, along with health and financial information. The only information it releases is the name, address, phone number and email address of the complainant, and the name of the insurance company.

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