Home › Practice Areas › Property Insurance Claims › Denied, Delayed, or Underpaid Claims
You’ve paid premiums for years. When disaster struck, your insurer should stand with you. Instead, you get a denial letter, a lowball check, or months of silence. Suli Law Group knows exactly how to compel property insurers to honor their contracts because of our past in the insurance industry.
Under Fla. Stat. § 627.70131, your insurer has the duty to do the following:
• Acknowledge your claim within 7 days
• Begin investigation within 7 days of proof of loss
• Conduct a residential physical inspection within 30 days of proof of loss
• Pay or deny the claim within 60 days
Missed deadlines may trigger statutory interest and, in some cases, support a bad-faith action.
Florida’s Civil Remedy Notice (CRN) statute allows policyholders to pursue insurers for unfair claim handling. Before filing a bad faith lawsuit, you must serve a Civil Remedy Notice through the Florida Department of Financial Services, giving the insurer 60 days to cure the violation.
1. The specific statutory provisions allegedly violated
2. The facts and circumstances giving rise to the violation
3. The names of individuals involved and the relevant policy language
If the insurer fails to cure within 60 days, you may pursue extracontractual damages beyond your policy limits, including consequential losses, attorney fees in some contexts, and even punitive damages in egregious cases.
For property insurance, HB 837 added a critical prerequisite: bad faith requires adverse adjudication by a court that the insurer breached the contract. Mere negligence is no longer enough. The good news is that the Tampa courts now have years of post-reform precedent guiding successful claims.
Before filing any property insurance lawsuit, Fla. Stat. § 627.70152 requires a Notice of Intent to Initiate Litigation at least 10 business days before suit, with specific required content including the disputed amount, alleged acts of the insurer, and a settlement demand. Failure to comply means dismissal — and possible exposure to the insurer for attorney fees.
• Unreasonable delay in inspection or payment
• Unjustified denials based on weak engineering reports
• Misrepresenting policy provisions
• Demanding excessive documentation as a stalling tactic
• Lowball settlements unsupported by the actual scope of damage
Don’t let insurance companies get away with these tactics. Call Suli Law Group as soon as you receive a verdict you believe is unjust.
Founding attorney Laura Sulisufay is a former insurance defense attorney. She built her career defending insurance companies. Now, she uses that insider knowledge against them. Our team knows exactly how adjusters value claims, where they cut corners, and what evidence forces a fair offer.
Under Fla. Stat. § 627.70131, your insurer must acknowledge the claim within 7 days, begin investigating within 7 days of proof of loss, inspect a residence within 30 days, and pay or deny within 60 days. Missing these deadlines can trigger statutory interest and may support a bad-faith action.
A CRN is a required pre-suit filing through the Florida Department of Financial Services that gives your insurer 60 days to cure the violation before you can sue for bad faith. It must identify the statutes violated, the facts behind the violation, and the people and policy language involved.
For property insurance, bad faith now requires a court to first find that the insurer actually breached the contract. Mere negligence is no longer enough. Tampa courts now have years of post-reform precedent guiding successful claims.
Yes. Fla. Stat. § 627.70152 requires a Notice of Intent to Initiate Litigation at least 10 business days before suit, stating the disputed amount, the insurer’s alleged acts, and a settlement demand. Failure to comply may result in dismissal.
Founder and attorney Laura Sulisufay spent her early career on the insurance defense side, so she knows the tactics carriers use and the violations they commit. That insider experience lets the firm fight effectively from the first phone call through the final verdict.
Suli Law Group exists to protect injured people and policyholders at their most vulnerable moments — combining insider knowledge of the insurance industry, relentless preparation, and direct attorney access with the compassion, integrity, and genuine care every client deserves. We pursue justice and accountability with strategy, precision, and heart.
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