To contact the Florida Insurance Commissioner’s agencies for help with an insurance problem, call the Department of Financial Services (DFS) Consumer Helpline at 1-877-693-5236, Monday through Friday, 8:00 a.m. to 5:00 p.m. EST, or file online through the DFS Consumer Assistance Portal at assistcon.myfloridacfo.gov.1Florida Department of Financial Services. Contact Us Consumer complaints do not go to the Commissioner’s office directly. Florida’s current Insurance Commissioner, Michael Yaworsky, heads the Office of Insurance Regulation (OIR), which regulates insurers themselves; the DFS Division of Consumer Services is the office that takes complaints from policyholders and works disputes with insurance companies.2Florida Department of Financial Services. Get Insurance Help
Which Office You Actually Want
Florida splits insurance oversight between two agencies, and knowing the difference saves time.
The Office of Insurance Regulation, under Commissioner Yaworsky, approves rates, monitors company solvency, issues licenses, and reviews policy forms.3The 2025 Florida Statutes. Florida Statutes 20.121 – Department of Financial Services The Department of Financial Services, through its Division of Consumer Services, handles the consumer side: denied claims, delayed payments, insurers that won’t respond, coverage questions, and disputes with agents or adjusters.2Florida Department of Financial Services. Get Insurance Help
If your problem is with your own policy, adjuster, or claim, contact DFS. If your question concerns rate filings, company licensing, or regulatory matters, contact OIR. Complaints sent to the wrong office aren’t lost, but routing them correctly gets you an answer faster.
Phone Numbers
The DFS Consumer Helpline is the primary number for insurance questions and complaints: 1-877-693-5236 (1-877-MY-FL-CFO). Callers outside Florida can use (850) 413-3089. The line is staffed Monday through Friday, 8:00 a.m. to 5:00 p.m. EST.1Florida Department of Financial Services. Contact Us The specialists on the line can explain policy language, discuss options for a disputed claim, and help you decide whether to open a formal complaint.
To report suspected insurance fraud, Florida runs a separate tip line: 1-800-378-0445. Reports can be made anonymously and may qualify for a reward through the state’s Fraud Fighter program.4Florida Department of Financial Services. FraudFreeFlorida.com
For industry or regulatory questions, the OIR’s general number is (850) 413-3140.5Florida Office of Insurance Regulation. Contact Us
Online
The fastest way to reach DFS without picking up the phone is the Consumer Assistance Portal at assistcon.myfloridacfo.gov. From the portal, you can submit an insurance concern, file a formal complaint, and check the status of a case you’ve already opened.6Florida Department of Financial Services. Consumer Assistance Portal
The OIR site at floir.gov is more useful for research than for complaints. It lets you verify whether an insurer is licensed in Florida, look at active rate filings, and compare premiums using the CHOICES Rate Comparison Tool.7Office of Insurance Regulation. Consumers
Mailing Address
Both agencies sit at the same Tallahassee complex. The OIR’s address is:
Office of Insurance Regulation
200 East Gaines Street
Tallahassee, Florida 323995Florida Office of Insurance Regulation. Contact Us
For a consumer complaint, the portal is generally faster and creates an immediate digital record. If you do send documents by mail, use certified mail or a tracked delivery service so you can confirm receipt, and check the DFS contact page before sending anything time-sensitive, since procedures are updated periodically.1Florida Department of Financial Services. Contact Us
What to Have Ready
Whether you call or file online, DFS asks for the following to investigate a concern:2Florida Department of Financial Services. Get Insurance Help
- The insurance company’s exact legal name, not an abbreviation or parent company
- The name of any agent or adjuster involved
- Your policy number, claim number, and date of loss where applicable
- A copy of your declarations page, or the front and back of your card for health insurance issues
- A detailed description of what happened and the resolution you want
- Supporting documents: correspondence with the insurer, claim paperwork, photos, repair estimates, or anything else backing your account
A complete first submission cuts down on the back-and-forth. Missing a policy number or leaving out supporting documents is what tends to slow cases down.
What Happens After You Reach Out
When you file, DFS assigns the case to an insurance specialist and gives you a reference number you can use in the portal to track progress. By statute, the insurance company has 14 days to respond in writing to the Division after receiving the complaint.8Florida Senate. Florida Statutes 624.307 – General Powers; Duties DFS aims to resolve the matter within 30 days overall.2Florida Department of Financial Services. Get Insurance Help
Once the insurer responds, DFS forwards that response to you. Read it carefully. Sometimes the reply clarifies a legitimate coverage exclusion; other times it shows the insurer misapplied its own policy or missed deadlines, and having that on the record through DFS strengthens your position later. If DFS identifies a possible violation of Florida insurance law during its review, the complaint can prompt a broader investigation. Keep copies of every email, letter, and phone note with dates and names.
One Important Boundary
Contacting DFS does not pause your right to sue. Florida gives you five years from the date of loss to file a lawsuit for breach of a property insurance contract, and that clock starts when the damage occurred, not when the claim was denied.9The Florida Legislature. Florida Statutes 95.11 – Limitations Other Than for the Recovery of Real Property Filing a complaint or pursuing state mediation does not extend that deadline. If your dispute looks like it may head to court, treat the five-year limit as a hard wall regardless of where the DFS process stands.