# 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 begin investigation; deadline is within 7 days; day type is days; clock starts from is an insurer receives proof-of-loss statements; citation is 627.70131, recorded from its source on 2026-08-11.

- **State:** Florida _(our reading, not quoted from the source)_
- **Obligation:** begin investigation _(our reading, not quoted from the source)_
- **Deadline:** within 7 days _(verified: appears in the quote below)_
- **Day type:** days _(verified: appears in the quote below)_
- **Clock starts from:** an insurer receives proof-of-loss statements _(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

> Unless otherwise provided by the policy of insurance or by law, within 7 days after an insurer receives proof-of-loss statements, the insurer shall begin such investigation as is reasonably necessary unless the failure to begin such investigation 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/).