What is required of a Florida insurer when denying a claim?

When a Florida insurer denies a claim, it is essential for the insurer to provide a valid reason along with written notice to the insured. This requirement is in place to ensure transparency and to uphold the policyholder's rights. By providing a written notice with the reason for denial, the insurer allows the insured to understand the basis for the decision and enables the policyholder to take appropriate steps, whether that involves seeking further clarification, disputing the denial, or seeking legal assistance if necessary.

This practice aligns with the principles outlined in Florida’s insurance regulations, which aim to protect consumers by ensuring they are adequately informed about their claims and the decisions made regarding them. Being informed helps the insured make informed choices about their coverage and potential actions they may wish to pursue.