The Median Florida Property Claim Closes in 30 Days. The Average Is 66.

Florida's insurance regulator collected time-to-close data on 456,200 property claims closed in calendar year 2025, reported by 170 companies.¹ The mean across that pool ran 66 days, and the median ran 30.¹ An average carries whatever the longest files do, so the distance between those two figures is a measure of the tail.

Half of that pool was finished inside a month. The mean sits at more than double the median because a claim that runs eight months adds as many days to the total as thirty-five that closed in a week.

The skew runs on the policyholder side too. Median time to report a loss was 10 days; the mean was 65.¹

The regulator's claim-file report puts a shape on the tail. It sorted 732,390 claims closed in CY2022 into closure-time buckets: three-quarters under 61 days, and just under one in twenty still open past the six-month mark.²

The 61-day boundary in that first bucket tracks statute. Section 627.70131(7)(a), Florida Statutes, gives a carrier 60 days from notice of loss to pay or deny, so crossing day 60 does not by itself establish a violation, though it does put a file outside the window where three-quarters of Florida claims land.¹

Litigation is the one driver the public data measures directly. Suits touched 12.10% of CY2025 closed claims, 53,413 files, and 27.27% of claims in Broward, Miami-Dade, and Palm Beach.¹ The expense line moves with it: average loss adjustment expense ran $15,257 on a litigated claim against $2,044 on one that stayed out of court.¹

Reopenings work more quietly. In CY2022, windstorm and hail claims reopened at 51.0%, other water at 48.5%, hurricane at 33.0%.² A reopened file restarts a clock that had already stopped, which is part of why catastrophe work has its own cycle-time behavior after a named storm.

The national benchmark runs tighter. J.D. Power measured average time to final claim payment at 40.7 days in 2026, down 3.4 days year over year across 5,093 respondents.³ That survey draws on a different population and stops at a different endpoint than Florida's close date, so it sets context rather than a comparison.

The limits matter. This is Florida data only. The distribution above is CY2022, an older vintage than the 66/30 headline, so read it as the shape of the tail rather than its current size. And an adjuster trying to answer whether one specific carrier is slow will not get there from public filings: company-level MCAS submissions stay confidential to the NAIC and the reporting states,⁴ and Florida's company-level claims-and-litigation data is exempt as trade secret under ss. 624.4212 and 624.4213, Florida Statutes.¹ The statewide distribution is what stays public, alongside the aggregate cuts in the companion state-by-state denial-rate comparison.

For a file note, the distribution does more work than either average. A claim sitting at day 70 has crossed out of the bucket holding 75.7% of Florida claims,² which locates it in a statewide count without establishing anything about the carrier handling it.