How to File a Civil Remedy Notice (Insurance Bad Faith) in Florida
When an insurer handles your claim unreasonably, the Civil Remedy Notice is the formal first step. Here is what it is and how the process works.
Last reviewed July 2026. General guidance, not legal advice.
A Civil Remedy Notice (CRN) is a serious escalation tool, not a routine step. It is used when a carrier has denied, delayed, or underpaid a valid claim without a reasonable basis.
What a CRN is
A CRN is a formal notice filed with Florida’s Department of Financial Services alleging the insurer acted in bad faith. It must identify the specific acts and statutory provisions violated. Under Florida Statute 624.155, filing a valid CRN is a prerequisite to many bad-faith actions.
The 60-day cure period
Once the CRN is filed, the insurer has 60 days to cure the violation, typically by paying the claim or correcting the conduct. If it does so within 60 days, no bad-faith action lies. If it does not, the notice preserves your ability to pursue statutory bad-faith remedies that can exceed the policy limits.
What counts as bad faith
- Unreasonable denial, delay, or underpayment of a valid claim.
- Ignoring evidence or misrepresenting policy terms.
- A settlement offer with no reasonable basis.
How to File a Civil Remedy Notice (Insurance Bad Faith) in Florida FAQs
No. It gives the insurer 60 days to cure the alleged violation and is a legal prerequisite to many bad-faith actions under Fla. Stat. 624.155. It is a formal escalation, not an automatic award.
Generally after a claim has been unreasonably denied, delayed, or underpaid despite proper documentation. It is a serious step usually taken with professional guidance.
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