State RegulationsFL specificDifficulty 1/5
Under Fla. Stat. 626.9541(1)(i)3.e, within 30 days after receiving a completed proof of loss, an insurer must
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Fla. Stat. 626.9541(1)(i)3.e, an insurer must confirm or deny coverage, and confirm or deny the amount of the claim, within 30 days after receiving a completed proof of loss. This keeps claimants from being left in limbo; an insurer that neither affirms nor denies within the window commits an unfair claim settlement practice subject to DFS penalties.
Why the other options are wrong
- B) The duty is to decide coverage and amount - a legitimate denial is permitted; blind payment is not required.
- C) The OIR regulates insurers generally but does not adjudicate individual claims within this deadline.
- D) Demanding a new proof of loss to restart the clock is the sort of delay tactic the rule is designed to prevent.
Memory hook
30 days: say yes or no - and how much.