State Farm Florida: who you’re dealing with.

We read 1,891 Civil Remedy Notices filed against Florida property insurers over denied claims. 218 of them name State Farm Florida (NAIC 10739). 23 were later withdrawn or recorded as resolved, which is what the record looks like when a carrier fixes the problem inside the 60-day window.

As such, this is an "all perils" policy and all such losses described above are covered unless they are specifically excluded. State Farm Florida Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal. State Farm Florida Insurance Company can cure its bad faith conduct by: 1) accepting the insured's claim as compensable, and agreeing to pay the claim in accordance with its loss settlement provision prior to the expiration of the cure period, 2) reaching an amicable settlement of the pending claim prior to the expiration of the cure period, or 3) paying the amount of the estimate for damages ($59,520.73) submitted by the insured to State Farm Florida Insurance Company less the insured's deductible.

As such, this is an "all perils" policy and all such losses described above are covered unless they are specifically excluded. State Farm Florida Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal. State Farm Florida Insurance Company can cure its bad faith conduct by: 1) accepting the insured's claim as compensable, and agreeing to pay the claim in accordance with its loss settlement provision prior to the expiration of the cure period, 2) reaching an amicable settlement of the pending claim prior to the expiration of the cure period, or 3) paying the amount of the estimate for damages ($55,859.25) submitted by the insured to State Farm Florida Insurance Company less the insured's deductible.

Counts are filings naming the insurer, matched on NAIC code. They follow book size as much as behaviour: a carrier with more Florida policies collects more filings. Each is an allegation by a policyholder, not a finding.