• The division provides consumers with several options to assist them with their insurance needs. Specialists are available to provide consumers one-on-one assistance through a toll-free hotline (1-877-693-5236). Consumers may also submit requests for insurance assistance or mediation with an insurance company as well as file an insurance complaint online. General questions about insurance that do not have to do with filing a concern can be emailed to consumer.services@myfloridacfo.com. In addition, staff is available to meet with policyholders at one of the department's offices in Largo and Tallahassee.
• The division provides information and technical expertise on a variety of topics. For example, the division provides consumer guides that overview specific lines of insurance and an insurance library that provides an overview of coverage for several lines of insurance, and information on fraud and scams.
• The division also offers mediation programs to assist in resolving certain types of insurance claim disputes between consumers and insurance companies.

• The Office of Insurance Regulation maintains a searchable online database of companies authorized to conduct business in the state.
• A toll-free helpline (1-877-693-5236) is available for consumers from 8:00 a.m. until 1:00 p.m., Monday through Friday. General insurance questions can also be sent to consumer.services@myfloridacfo.com.

• The Operation S.A.F.E. (Stop Adult Financial Exploitation) website helps seniors make informed financial decisions and avoid fraud and scams. The site provides seniors with resources where they can find information on annuities, reverse mortgages, and identity theft. In addition, the department offers a Be Scam Smart video series and resource guide that covers topics such as how to spot fraudulent behavior, common scams that target seniors, and how to fight identify theft., information on annuities, and reverse mortgages.
• The Financial Frontlines website helps military service members manage their personal finances. The website includes financial tips, topics such as saving and budgeting, information on frauds and scams, identity theft, and scholarships.  Additional resources and services are available pertaining to employment, housing, legal, educational, and social support/counseling services.
• The My Money website provides educational lessons for individuals with developmental disabilities and resources for family members and caregivers. The website allows individuals to learn and practice financial skills at their own pace. Lessons focus on money basics, banks and credit unions, accounts, budgeting, government benefit programs, and ways to find and keep employment.
• The Finance Your Future and CLIMB (Children Learning the Importance of Money Basics) websites provide K-12 students with tools to learn financial literacy and money basics. Finance Your Future provides middle and high school students with online courses in various financial topics like banking, budgeting and saving, credit and debt, insurance, and financial frauds and scams. CLIMB provides youth ages 10 and under with animated videos on the basics of money management.

In Fiscal Year 2021-22 the division answered 55% of calls within four minutes, compared to the standard of 80%. The department attributes this to a loss of staff, which resulted in long hold times.

The 2023 Legislature enacted two laws that made changes to the responsibilities of the division.

• Chapter 2023-29, Laws of Florida, which requires the division to designate an employee as the primary contact for complaints about pharmacy benefit managers.
• Chapter 2023-172, Laws of Florida, which requires insurers to more promptly respond to the division and increases fines for noncompliance.

Websites of Interest
Florida Attorney General
Florida Consumer Guides
Florida's Insurance Consumer Advocate
Insurance Information Institute

Performance Information

Division of Consumer Services, 850-413-3089 or 1-877-693-5236, from 8:00 a.m. until 1:00 p.m., Monday through Friday
Email: Consumer.Services@myfloridacfo.com
Website