A sourced calendar for one claim
Florida claim work can involve several kinds of dates at once: notice windows, insurer response milestones, policy duties, contract dates, document requests, inspections, and the firm's own follow-ups. They should not be collapsed into a generic countdown.
The Florida Claim Clock records the triggering event, source, target-date entry basis, exception check, reviewer, owner, and next action for each entry.
What is included
- Date of loss and weather-event verification fields
- Initial, reopened, and supplemental claim classification
- Notice-window worksheet
- Insurer acknowledgment and investigation milestones
- Proof-of-loss and estimate-request tracking
- Payment or denial milestone tracking
- Policy and carrier-specific dates
- Firm follow-up dates and escalation notes
- Written/electronic claim-status request date, requester authority, specific response, delivery evidence, and file-record prompts
- Source URL, policy page, or correspondence reference for every date
The statutory prompts are tied to the specific provisions that support them: § 627.70131(1), (3), and (7)-(8) for insurer milestones and tolling, § 627.70132(1)-(3) for claim classifications, notice windows, and listed weather-event dates, and § 627.7142 for the limited personal-lines Homeowner Claims Bill of Rights cross-check.
Chapter 2026-174, § 29, effective June 26, 2026, adds § 626.854(24). It requires a public adjuster, apprentice, or firm to respond with specific information to a claimant's, insured's, or designated representative's written or electronic claim-status request within 14 days after the request date and document the response or information provided in the claim file. As a stricter firm-control practice, the clock also prompts the user to preserve the request and delivery proof. The workbook does not automatically determine whether a request is in scope or whether a response complies.
Before entering or relying on a target date
Enter a target date only after confirming the type of claim, policy form, date of loss, notice history, triggering communication, applicable statute version, and any exception or extension. The workbook records the professional entry basis; it does not derive a date from a statutory interval.
The latest codified Florida statutes available when this resource was prepared were the 2025 Florida Statutes. Recheck the official sources before using the worksheet on a live claim.
Professional boundary
This tool supports calendar administration. It does not calculate legal deadlines, interpret a policy, determine coverage, or replace advice from a licensed public adjuster or attorney.
Official references
- Florida Statute 627.70131: Insurer communications, investigation, payment, and denial
- Florida Statute 627.70132: Notice of property insurance claim
- Florida Statute 627.7142: Homeowner Claims Bill of Rights
- Florida Statute 626.854: Public adjuster duties and prohibitions
- Chapter 2026-174, Laws of Florida, § 29: Written/electronic claim-status response and file record
- NOAA Storm Events Database
Restoria completed an editorial check of the cited primary sources on July 12, 2026. Restoria separately verified Chapter 2026-174, § 29 against the official session law on July 13, 2026. No Florida-licensed public adjuster or attorney review or endorsement is claimed.
