What Is a Civil Remedy Notice?
A Civil Remedy Notice (CRN) is a formal filing with the Florida Department of Financial Services under FL §624.155. It serves as a legal prerequisite before a policyholder can bring a statutory bad faith lawsuit against their insurance carrier.
When a Florida homeowner believes their insurance company has acted in bad faith — by unreasonably denying a claim, delaying payment, or offering a settlement far below actual damage — they can file a CRN using DFS Form 10-363. The filing is electronic, free, and submitted through the DFS portal.
Once filed, the CRN triggers a 60-day cure period. The carrier has 60 days to address the alleged violation — either by paying the claim, reaching a settlement, or providing a written explanation. If the carrier does not cure the violation within 60 days, the policyholder gains the right to file a bad faith lawsuit — which can result in damages exceeding policy limits.
Every CRN filed becomes part of the DFS public record. Each filing contains structured data about the carrier, the policyholder's allegations, the claim type, the geographic location, and the resolution status.
Our Dataset: By the Numbers
| Metric | Value |
|---|---|
| Total CRN records collected | 100,000+ |
| Source | Florida DFS public records (§624.155 filings) |
| Coverage period | Multi-year (historical + current filings) |
| Geographic coverage | All 67 Florida counties |
| Carrier coverage | All FL-licensed property insurers |
| Key data fields per record | Carrier name, filing date, allegation type, county, resolution status, storm association |
| Update frequency | Ongoing collection |
Why CRN Data Is the Most Powerful Signal in FL Insurance
CRN data is the closest thing to a public scoreboard of carrier behavior in Florida. Every CRN represents a policyholder who believed their carrier acted in bad faith — and took the formal step of filing with the state. The aggregate data reveals patterns invisible in individual claims:
Carrier Patterns
Which carriers generate disproportionate CRN volume relative to their policy count? Systemic issues, not isolated incidents.
Storm Patterns
Hurricane-related CRN spikes identify storms where underpayment was most severe. Your storm's pattern supports your case.
County Patterns
CRN density by county reveals geographic patterns. Was your claim handled consistent with regional norms?
Resolution Data
Cure rates, settlement patterns, and litigation outcomes create predictive frameworks. What typically happens next?
How We Use This Data In Your Claim Analysis
When you run a free claim check on ClaimRestored, our AI cross-references your claim details — carrier, storm, county, damage type, settlement amount — against the full CRN dataset. The analysis produces:
- Settlement comparison: How does your payout compare to claims with similar characteristics across the dataset?
- Carrier behavior profile: What is your carrier's CRN filing frequency? Are they above or below the industry average?
- Storm-specific patterns: For your specific hurricane, what were the typical settlement ranges in your county?
- Risk assessment: Based on historical CRN resolution data, what is the likely outcome if you escalate your claim?
No other platform has this data in this format. Public adjusters work from their personal case experience. Attorneys work from their litigation files. Carriers work from their internal databases. ClaimRestored works from the public record — the state's own documentation of carrier behavior — aggregated at a scale no individual practitioner can match.
Data Integrity and Limitations
- Source: All CRN data is sourced from publicly available Florida DFS records. ClaimRestored does not have access to non-public carrier data, policyholder personal information, or sealed litigation records.
- Not predictive of your outcome: CRN data shows patterns and probabilities, not guarantees. Your claim is unique. The analysis shows how similar claims have been resolved — it does not promise the same result for yours.
- Data is retrospective: CRN filings reflect past carrier behavior. Our dataset is updated on an ongoing basis, but reflects filings to date.
- CRN ≠ bad faith finding: A CRN filing is an allegation, not a judgment. Many CRNs are cured within the 60-day window. A high CRN count for a carrier indicates dispute frequency, not necessarily wrongdoing.
The Legal Framework
- FL §624.155 — Civil Remedy Notice statute. Authorizes CRN filings as prerequisite to bad faith lawsuits. 60-day cure period.
- FL §627.70132 — Notice of Property Insurance Claim. 1-year initial deadline, 18-month supplemental deadline from date of loss.
- FL §95.11(2)(e) — 5-year statute of limitations for property insurance contract civil actions.
- OPPAGA Report No. 10-06 (2010) — Florida government study: 19-747% recovery premium with professional representation vs. unrepresented homeowners.