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Florida insurance complaint and appeal help

Florida Department of Financial Services (Division of Consumer Services) / Office of Insurance Regulation. Use this page to find where to file an insurance complaint in Florida.

• Complaint page: https://www.myfloridacfo.com/division/consumers/needourhelp/
• Department website: https://www.myfloridacfo.com/division/consumers/
• Phone listed on the department's page: 1-877-693-5236
• Last verified: October 17, 2026. Link check on 2026-10-17: HTTP 200 and the page mentions "complaint".

External review

Insurers in this state use the federal external review process (HHS-administered or private accredited reviewers). Your final denial notice tells you which.

Before you file

1. Appeal to the insurer first and keep copies; a complaint does not stop appeal or lawsuit deadlines.
2. Check whether your plan is state-regulated: self-funded employer plans are usually outside state jurisdiction.
3. Use the complaint summary letter to organize your answers, then use the department's own form.

This page is not an endorsement of any department or insurer. Phone numbers and web addresses change; check the department's page.