State RegulationsFL specificDifficulty 1/5
Which of the following is an unfair claim settlement practice under Florida law?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Fla. Stat. 626.9541 (Chapter 626, Florida Statutes), failing to affirm or deny coverage within a reasonable time after receiving a completed proof of loss is an unfair claim settlement practice, and the statute separately fixes a 30-day outer window for responding. The other choices are exactly what the law encourages: prompt decisions, reasonable investigation, and payment of interest when due.
Why the other options are wrong
- A) Prompt affirmation and payment after due proof is proper conduct, not a violation.
- C) Reasonably necessary documentation requests are part of a lawful investigation.
- D) Paying required interest on a late-paid claim is compliance, not misconduct.
Memory hook
Silence on a claim is itself a violation.