October 29th, 2024

The Florida Department of Financial Services' (DFS) Check My Contract service designed to assist residential or commercial property insurance policyholders who have entered into a repair contract with contractors, restoration professionals, or public adjusters related to an insurance claim.
Check My Contract allows these policyholders to submit repair contracts to DFS for independent review to gather any potential evidence of insurance fraud against Florida policyholders, especially following storms and ensure the contract complies with Florida Law.
The Department will review:

1. Compliance with Emergency-Specific Protections: Review roofing and public adjusting contracts to ensure they meet Florida’s cancellation criteria outlined in 626.854, 626.8796, Florida Statutes and Rule 69B-220.051, Florida Administrative Code. The consumer will receive the appropriate cancellation form if a contract does not meet these criteria.


2. Consumer Protection in Post-Storm Recovery: Examine storm recovery contracts to determine if they involve an unlawful Assignment of Benefits (AOB), rendering them void under Florida Statute 627.7152. If a contract is identified as an unlawful AOB, the consumer will receive a notice informing them that it is void, invalid, and unenforceable.

When filing your contract for review, in the email, please provide the following:

• Full name of contracted company and/or individual;
• Consumer Name;
• Consumer Address;
• Consumer Phone number and/or email;
• Type of insurance coverage (Homeowner, Condo Unit Owner, Mobile Home, Dwelling Fire, Windstorm, Flood)
• Full name of insurance company;
• Policy number;
• Claim number;
• A non-original copy of the full contract; and
• A detailed explanation of the issue and any additional information or documentation that supports your concerns.

Visit myfloridacfo.com/division/consumers/check-my-contract for more information.