# Florida — How long an insurer has to acknowledge, decide and pay a claim, by state: statutory and regulatory claim-handling deadlines

For Florida, obligation is accept or deny claim; deadline is Within 60 days; day type is days; clock starts from is an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder; citation is 627.70131, recorded from its source on 2026-08-11.

- **State:** Florida _(our reading, not quoted from the source)_
- **Obligation:** accept or deny claim _(our reading, not quoted from the source)_
- **Deadline:** Within 60 days _(verified: appears in the quote below)_
- **Day type:** days _(verified: appears in the quote below)_
- **Clock starts from:** an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder _(verified: appears in the quote below)_
- **Citation:** 627.70131
- **Instrument:** statute _(our reading, not quoted from the source)_
- **Interest or penalty:** bears interest at the rate set forth in s. 55.03
- **Applies to:** residential coverage as defined in s. 627.4025(1); structural or contents coverage under a commercial property insurance policy if the insured structure is 10,000 square feet or less; or contents coverage under a commercial tenant policy if the insured premises is 10,000 square feet or less

## What the source says

> Within 60 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer.

## Source

- https://www.flsenate.gov/Laws/Statutes/2025/627.70131

Last verified: 2026-08-11. Review by: 2026-12-09.
Part of [How long an insurer has to acknowledge, decide and pay a claim, by state: statutory and regulatory claim-handling deadlines](https://referencesource.org/insurance-claim-handling-deadlines/).