# 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 acknowledge receipt of claim; deadline is within 7 calendar days; day type is calendar days; clock starts from is an insurer's receiving a communication with respect to a claim; citation is 627.70131, recorded from its source on 2026-08-11.

- **State:** Florida _(our reading, not quoted from the source)_
- **Obligation:** acknowledge receipt of claim _(our reading, not quoted from the source)_
- **Deadline:** within 7 calendar days _(verified: appears in the quote below)_
- **Day type:** calendar days _(verified: appears in the quote below)_
- **Clock starts from:** an insurer's receiving a communication with respect to a claim _(verified: appears in the quote below)_
- **Citation:** 627.70131
- **Instrument:** statute _(our reading, not quoted from the source)_
- **Applies to:** residential property insurer

## What the source says

> Upon an insurer’s receiving a communication with respect to a claim, the insurer shall, within 7 calendar days, review and acknowledge receipt of such communication unless payment is made within that period of time or unless the failure to acknowledge 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/).