How to file a home insurance complaint in Florida
Updated September 28, 2026· Sources verified September 26, 2026· Educational information, not legal advice
Short answer
Florida consumer complaints go to the Department of Financial Services (DFS), Division of Consumer Services — not the Office of Insurance Regulation. You can reach the insurance consumer helpline at 1-877-693-5236 or file online.
Have your notice? Check it freeFlorida Department of Financial Services — Division of Consumer Services
Insurance Consumer Helpline and online requests for assistance. The Office of Insurance Regulation oversees insurers and issues emergency orders.
When it makes sense to contact DFS
- The notice gave less than the required notice, or no specific reason.
- The stated reason is roof age and your roof is under 15 years old.
- The reason is a hurricane or other act-of-God claim.
- Your home is still being repaired after a covered loss.
What to include
Policy and insurer details
Policy number, insurer, property address.The notice and envelope
Including the postmark.What you want reviewed
One or two sentences.Supporting documents
Roof records, claim letters, repair invoices, correspondence with the insurer.
Want to know what applies to your notice?
Upload the letter and we'll check its dates and reason against Florida's published rules — free.
A complaint does not by itself extend your coverage — keep arranging replacement coverage.
Official sources
Rules can change. Check the official source before relying on it.
Want to know what applies to your specific notice?
Upload your letter and MyNonRenewal will check the dates, the reason and Florida's rules — free, with the official source for each rule.
MyNonRenewal provides educational information and document summaries. It does not provide legal advice, insurance advice, representation, or recommendations regarding specific insurance products.