What this data is
A Civil Remedy Notice (CRN) is a formal filing made with the Florida Department of Financial Services under Fla. Stat. §624.155. It puts an insurer on notice of alleged bad faith and starts a 60-day window for the carrier to cure. Every CRN is a public record.
ClaimRestored maintains a structured corpus of 60,573 residential property CRN filings covering 435 carriers from 2022 through 2026. This page shows the aggregate pattern for Heritage Property & Casualty. No individual filing, policyholder, or claim detail is published.
Filing volume by year
| Year | Filings | Relative volume |
|---|---|---|
| 2022 | 184 | |
| 2023 | 1,549 | |
| 2024 | 719 | |
| 2025 | 268 | |
| 2026 | 26 |
Peak year: 2023 (1,549 filings). 2026 is a partial year.
What policyholders alleged
Each filing can cite more than one reason, so percentages total over 100%.
| Reason cited | Filings | Share |
|---|---|---|
| Unfair Trade Practice | 2,443 | 89% of Heritage Property & Casualty filings |
| Claim Delay | 2,369 | 86% of Heritage Property & Casualty filings |
| Unsatisfactory Settlement Offer | 1,753 | 64% of Heritage Property & Casualty filings |
| Claim Denial | 1,640 | 60% of Heritage Property & Casualty filings |
| Non-renewal | 30 | 1% of Heritage Property & Casualty filings |
If your Heritage Property & Casualty claim feels low
The pattern above tells you what other Florida policyholders formally disputed. It does not tell you whether your settlement was short. That depends on your policy language, your documented damage, and what the carrier actually itemized.
Build your record first
Policy, photos, estimates, payments, and correspondence in one place. Track the deadlines that apply to your claim.
Compare against the data
ClaimRestored benchmarks your settlement against the 60,573-filing corpus by carrier, storm, and claim type.
Know the escalation paths
DFS complaint, appraisal clause, CRN under §624.155, or licensed representation. See how claims escalate.