Help us protect your premium dollars.

Report fraud easily and anonymously directly to the State of Florida.
Florida peninsula - Report Fraud

What is insurance fraud?

Simply stated, insurance fraud is the act of falsifying or exaggerating the facts of a claim to an insurance company in order to receive payment that would not otherwise be made. Common types of insurance fraud are staged accidents, exaggerated injuries, and inflated medical bills. In homeowners claims it may include faking a burglary, reporting old damage as new, or submitting inflated repair invoices.

How does insurance fraud affect me?

Insurance fraud is often perceived as a victimless crime, but those who purchase homeowners, condo, and renters’ insurance policies know differently when they receive a renewal offer or new quote and witness the above average increase.  Losses caused as a result of insurance fraud far exceed $100 billion annually, a cost which is passed onto you and your family. Industry research finds one out of every ten insurance claims is fraudulent. In recent years, the use of Assignment of Benefits forms has become a vehicle for fraud, as well as door-to-door solicitors seeking claimants for lawsuits. These scenarios result in insurance premiums going up for all policyholders.

The losses from fraudulent insurance claims cost policyholders an average of $400 more per year.

What is Florida Peninsula's Special Investigations Unit?

Florida Peninsula employs a dedicated team of cross-trained associates whose sole mission is to detect, deter, and defeat insurance fraud. This division, known as the Special Investigations Unit (SIU), is comprised of individuals who have extensive investigative experience as well as insurance expertise. The mission of the SIU Team is to research suspicious claims, work with the State to prosecute fraudsters, and to collect restitution when possible so the cost of fraud is not passed down to our policyholders.

Do you suspect fraud on a policy?

To report insurance fraud on a Florida Peninsula policy, call or email us immediately.

Do you see insurance fraud happening in your community? Report it.

Do your part to reduce fraud, by contacting the Division of Insurance Fraud and reporting what you see, hear or experience. Insurance fraud tips may be reported anonymously at your request.

Fraud Hotline

Division of Insurance Fraud

200 East Gaines Street, Tallahassee, FL 32399-0324