Have you filed an insurance claim and the insurer simply isn’t responding? This delay, in addition to being frustrating, can jeopardize your finances and your home. That’s why there is the Prompt-Pay Law, a key regulation for those who file insurance claims in Florida.
In this article, we explain what it is, how it works, and how to assert your rights if your insurer does not meet the established deadlines.
What is the Prompt-Pay Act?
Florida’s Prompt-Pay Law was designed to protect policyholders from unjustified delays by insurance companies. It establishes legal deadlines for insurers to review, process, and pay claims in a timely manner.
Since when has it been in effect?
Although similar laws existed before, the clearest and strongest version of Prompt-Pay was included in reforms following Hurricane Ian and other severe storms that exposed abuses by insurers in 2022 and 2023.
What are the deadlines imposed by this law?
According to the Prompt-Pay Act in Florida:
- The insurer must confirm receipt of the claim within the first 7 business days.
- It has 14 days to begin investigating the case.
- And it must issue a decision on payment within 60 days.
If you do not do so, you may be considered to be acting in bad faith.
What happens if the insurance company does not meet the deadlines?
If your insurer ignores these deadlines, you can file a claim for non-compliance. You may even be eligible for additional interest for late payment, as established by law.
This is where having a public adjuster or lawyer can make all the difference. They can document the breaches and help you assert your rights.
How to protect yourself: your best steps if your insurance is delayed
- Keep all written communications with the insurance company.
- Request confirmation of receipt of the claim.
- Follow up with documentation if you do not receive a response within the deadline.
- Seek professional help: A public adjuster represents you and pressures the insurance company to act in accordance with the law.
Why does this matter now more than ever?
In recent years, insurance claims in Florida have been the subject of national debate. Many residents have experienced delays or unfairly low payouts, especially after extreme weather events.
With the start of the 2025 hurricane season, understanding your rights under the Prompt-Pay Act is essential to ensure you are not left unprotected.
If you are facing delays or evasiveness from your insurance company, the law is on your side. But you need to know how to use it. At The Claim Partner, we help you document your case, file your claim, and represent you before the insurance company.
Schedule a free consultation or download our app to start the process quickly and effectively.