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Homeowners Choice:
What the FL DFS Filings Show

1,668 residential property Civil Remedy Notices naming Homeowners Choice, 2022–2026. Ranked #9 of 435 Florida carriers by filing volume.

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1,668CRN filings naming
Homeowners Choice
#9Rank among 435
FL carriers
2.8%Share of all FL residential
CRN filings 2022–2026
$0Cost to check
your settlement
By Stuart Nixdorff, Founder of ClaimRestored — who took his own Hurricane Milton claim from a $23,266 offer to $1,352,367 recovered. Read the case. Reviewed 2026-07-31.

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 Homeowners Choice. No individual filing, policyholder, or claim detail is published.

Read this before drawing conclusions. A CRN records an allegation, not a finding of wrongdoing. Filing volume also tracks market share — a carrier writing more Florida policies will tend to accumulate more filings. And roughly 99.9% of filings in this dataset were made with attorney involvement, so this is a picture of disputes that escalated, not of all claims.

Filing volume by year

YearFilingsRelative volume
202276
2023614
2024510
2025407
202661

Peak year: 2023 (614 filings). 2026 is a partial year.

What policyholders alleged

Each filing can cite more than one reason, so percentages total over 100%.

Reason citedFilingsShare
Unfair Trade Practice1,48689% of Homeowners Choice filings
Claim Delay1,42285% of Homeowners Choice filings
Unsatisfactory Settlement Offer1,27476% of Homeowners Choice filings
Claim Denial97759% of Homeowners Choice filings

If your Homeowners Choice 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.

Source. Florida Department of Financial Services Civil Remedy Notice public filings, residential property lines, 2022–2026. Aggregated by ClaimRestored. Carrier named as filed; corporate affiliates are counted separately. Reviewed 2026-07-31.

Questions about Homeowners Choice claims

How many Civil Remedy Notices have been filed against Homeowners Choice?
1,668 residential property Civil Remedy Notices naming Homeowners Choice were filed with the Florida Department of Financial Services between 2022 and 2026 — 2.8% of all residential property CRN filings in that period, ranking #9 among Florida carriers.
What do policyholders dispute most with Homeowners Choice?
The most cited reasons are Unfair Trade Practice (89% of filings), Claim Delay (85% of filings), Unsatisfactory Settlement Offer (76% of filings). A single filing can cite more than one reason.
Does a Civil Remedy Notice mean Homeowners Choice did something wrong?
No. A Civil Remedy Notice is a formal notice filed under Fla. Stat. §624.155 alleging bad faith, giving the insurer 60 days to cure. It records an allegation, not a finding. Filing volume also tracks how many policies a carrier writes — a larger carrier will tend to have more filings.

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