How To File A Claim Against Insurance Company Through Florida Department Of Financial Services

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The Division can assist yous with policies purchased in the country of Florida. If your policy was purchased in some other state, you need to contact the insurance office where your policy was purchased. Click on the NAIC button below to detect the issuing country'southward contact data.

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Before You lot Submit Your Concern

Incomplete submissions volition crusade delays. Before you lot submit your business organization, review all four sections beneath and follow the steps to properly submit your insurance concern.

Before submitting your concern, please contact the insurance visitor and let them the opportunity to resolve your upshot. Nigh bug can be resolved within xxx days.

Land your concerns to the company's representative.
Provide the information they request (e.yard., write a formal alphabetic character of complaint, file any specific forms, provide supporting documentation, etc.).
Keep detailed records of all your communications with the insurance company.
Gather and send the required documentation to the insurance company.

If you are unable to resolve your concern with the insurance company or are not satisfied with their response, delight proceed to Stride 2.

Concerns We Tin can Aid With	Concerns We Can't Assistance With
The Partition tin aid y'all with insurance concerns involving companies that event policies within Florida that include belongings and casualty, wellness, life, annuity, disability, long-term intendance, warranties, bail bonds, and title insurance companies. We can also assistance yous with bug concerning agents and agencies. Examples include: Coverage Issues Merits Disputes Premium Problems Policy Cancellations or Not-Renewals Refunds Sales Misrepresentations	The Division is unable to assist with: Big Employer Health Plans If your employer's headquarters are non located in the Country of Florida, contact the U.S. Department of Labor who regulates employer self-funded health plans: https://www.dol.gov/agencies/ebsa/nearly-ebsa/inquire-a-question/ask-ebsa or 866-444-3272. Medicare Supplements The Centers for Medicare and Medicaid Services (CMS) has jurisdiction over the Medicare program: https://www.medicare.gov/talk-to-someone Medicaid Florida Agency for Wellness Care Administration (AHCA) offers local liaisons to providers and recipients. They handle claims resolution, grooming, transportation, and manage Child Health Check-Up screenings on a local level: https://ahca.myflorida.com/medicaid/ or 850-412-4000. Florida Healthy Kids Complaints regarding a provider of service, the insurance company or HMO, enrollment, counterfoil, underwriting, or other issues that involve the FHK authoritative office should be referred to client service at 800-821-KIDS (5437) or world wide web.healthykids.org. Policies Purchased in Another State If your result does not involve an insurance policy purchased in Florida, please contact the appropriate country's insurance office.

Concerns We Tin can Aid With

Concerns We Can't Assistance With

The Partition tin aid y'all with insurance concerns involving companies that event policies within Florida that include belongings and casualty, wellness, life, annuity, disability, long-term intendance, warranties, bail bonds, and title insurance companies. We can also assistance yous with bug concerning agents and agencies. Examples include:

Coverage Issues
Merits Disputes
Premium Problems
Policy Cancellations or Not-Renewals
Refunds
Sales Misrepresentations

The Division is unable to assist with:

Big Employer Health Plans
If your employer's headquarters are non located in the Country of Florida, contact the U.S. Department of Labor who regulates employer self-funded health plans: https://www.dol.gov/agencies/ebsa/nearly-ebsa/inquire-a-question/ask-ebsa or 866-444-3272.

Medicare Supplements
The Centers for Medicare and Medicaid Services (CMS) has jurisdiction over the Medicare program: https://www.medicare.gov/talk-to-someone

Medicaid
Florida Agency for Wellness Care Administration (AHCA) offers local liaisons to providers and recipients. They handle claims resolution, grooming, transportation, and manage Child Health Check-Up screenings on a local level: https://ahca.myflorida.com/medicaid/ or 850-412-4000.

Florida Healthy Kids
Complaints regarding a provider of service, the insurance company or HMO, enrollment, counterfoil, underwriting, or other issues that involve the FHK authoritative office should be referred to client service at 800-821-KIDS (5437) or world wide web.healthykids.org.

Policies Purchased in Another State
If your result does not involve an insurance policy purchased in Florida, please contact the appropriate country's insurance office.

What Nosotros Can Do	What Nosotros Tin't Do
Contact the insurance company or agent/agency and crave them to provide an explanation for their deportment. Past statute, insurance companies/agencies have 20 days to reply to the Department one time an insurance business concern has been filed. We strive to resolve the issue within 30 days. Review the company'southward response to make sure they followed Florida Statutes and Administrative Code. Assist you understand your insurance policy. Recommend places you tin can get for help if nosotros don't accept the legal right to resolve it.	Provide you lot with legal advice. Brand medical judgments or decide who is at fault. We cannot make up one's mind a question of fact. Determine the value of a merits, the amount owed to you, or act as your adjuster. Compel a visitor to pay a claim, refund a premium, reinstate and/or issue a policy (if they take not violated any police, rule or policy provision).

What Nosotros Can Do

What Nosotros Tin't Do

Contact the insurance company or agent/agency and crave them to provide an explanation for their deportment. Past statute, insurance companies/agencies have 20 days to reply to the Department one time an insurance business concern has been filed. We strive to resolve the issue within 30 days.
Review the company'southward response to make sure they followed Florida Statutes and Administrative Code.
Assist you understand your insurance policy.
Recommend places you tin can get for help if nosotros don't accept the legal right to resolve it.

Provide you lot with legal advice.
Brand medical judgments or decide who is at fault.
We cannot make up one's mind a question of fact.
Determine the value of a merits, the amount owed to you, or act as your adjuster.
Compel a visitor to pay a claim, refund a premium, reinstate and/or issue a policy (if they take not violated any police, rule or policy provision).

To help ensure that we receive all necessary data to investigate your submission, please provide us with the following:

The verbal name of the insurance company
The full proper noun of whatever agent or adjuster who may be involved
Your policy number
Your claim number and the date of your loss, if applicable
A re-create of your declarations folio. If it is a health insurance issue, provide a copy of the front and dorsum of the insurance card.
A detailed description of your business organization.
Copies of supporting documentation.

Public Record Notice: Under Department 119.011(12) Florida Statutes, Public Records are all documents, papers, letters, maps, books, tapes, audio and video tapes, photographs, films, sound recordings, data processing software, or other material regardless of physical form, characteristics, or means of transmission, made or received pursuant to law or ordinance or in connection with the transaction of official business by the Department, which are used to perpetuate, communicate or formalize knowledge. https://myfloridacfo.com/publicrecords

One time you have gathered the required materials and documentation, you are ready to submit your concern. Select by clicking the "Online Insurance Help" link under the "Submit an Insurance Business organisation Online" section below. If you take a general question, send an electronic mail to: Consumer.Services@MyFloridaCFO.com.

Submit a General Insurance Question

If you lot take a general insurance related question and exercise not wish to file an insurance concern, please email us at Consumer.Services@myfloridacfo.com.

Ready to Submit Concern

After you've reviewed the sections in a higher place y'all are at present set up to submit your business.

SUBMIT AN INSURANCE Business organization ONLINE

Submit a concern related to insurance products, including bonds, warranties and annuities, online by visiting our Online Insurance Help homepage. The request is assigned to an insurance specialist to provide necessary help.

Side by side Steps

The Division volition contact the company or agent/agency to address your concerns. In addition to requiring a response to our office, we may ask that the visitor or agent/bureau also contact you lot straight to attempt to resolve the issue(s).

Y'all may hear from the visitor or amanuensis/agency. They may endeavor to analyze your concerns or endeavour to resolve your issues.

When we receive the information from the company or agent/agency, we will review the file to determine what action we can take. Nosotros will then notify you lot of our determination.

If our office is unable to obtain the resolution you desire, you may consider contacting a private chaser for communication.

If your complaint involves a merits dispute of non more $8,000, y'all may want to contact your county's small claims court.

Mediation or arbitration are too possible options.