How long does the process take?

Generally, under Florida Statute, an insurance company has 90 days from the date of reporting the loss to issue a coverage determination for your claim.  However, once a coverage determination is made then you really need a crystal ball to determine how much time each claim will make.  If an insurance company fails to make a coverage determination for your claim within 90 days from reporting the loss, a licensed Florida attorney can then file a lawsuit  for coverage of your claim.