Overview

Each year, billions of dollars in unclaimed money are reported across Florida due to inactivity, undeliverable mail, or outdated contact information. After a statutory dormancy period, companies (banks, insurers, employers, brokerages, utilities, and others) transfer these balances to the State of Florida for safekeeping under Chapter 717, Florida Statutes. Eligible residents and businesses can recover these funds by verifying identity and completing the state’s claim process.

If you received a Notice of Unclaimed Money from Reclaim.org, this guide explains how to verify authenticity and submit your claim securely.

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What Are Unclaimed Funds?

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Unclaimed funds are financial assets with no owner contact or activity for a set period. Florida requires the company (the “holder”) to perform due diligence, report the assets to the state, and deliver the property (or proceeds, where required) for safekeeping until the rightful owner claims it.

Examples include:

• Insurance proceeds and premium refunds (including benefits tied to a deceased relative or employer plan)
  
  
• Dormant bank accounts (checking/savings) and cashier’s checks
  
  
• Uncashed payroll, refund, or rebate checks
  
  
• Stocks and dividends (including residual dividend fragments)
  
  
• Utility and rental deposits
  
  
• Escrow balances and closed-credit refunds
  
  

Once reported, the State of Florida safeguards these funds until claimed. There is no deadline for eligible owners to file.

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Data Snapshot: Unclaimed Money in Florida

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• Statewide total: Billions of dollars in claimable balances (updated continually as companies report and claims are paid)
  
  
• Eligibility: Many Floridians have a match; nationally, about 1 in 7 Americans has unclaimed money
  
  
• Common categories: Insurance proceeds, uncashed checks, refunds, and dormant deposit/brokerage accounts
  
  
• Typical claim size: Ranges from small refunds to substantial sums; larger claims occur but are less common
  
  

County-level amounts and exact counts change frequently. The State’s official portal reflects the most current data.

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Florida County Focus (Where to Look)

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Matches are often tied to prior addresses in Miami-Dade, Broward, Palm Beach, Hillsborough, Orange, Duval, Pinellas, Lee, Polk, and Brevard, among others. If you have lived, worked, or operated a business in multiple Florida counties, check each history.

View county-level results in the State’s official search portal to see current records.

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Documentation Requirements

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To submit your claim, be ready to verify identity and address. Requirements can vary by claim type and circumstances.

Most claims require:

• Valid government-issued photo ID (e.g., Driver’s License, Passport)
  
  
• Proof of current address (e.g., recent utility bill or statement)
  
  

Some claims (e.g., estate/trust/business) or certain higher-value scenarios may require notarized forms or additional steps as directed during the process. Follow the instructions shown in your verified Reclaim.org letter or in the state portal.

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Claim Submission & Processing (Florida)

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1. Verify your notice
   
   
   • Go to Reclaim.org and enter the Asset/Claim ID printed on your letter to confirm authenticity.
     
     
2. Upload documents securely
   
   
   • Submit your ID and proof of current address using the instructions provided in your verified Reclaim.org letter or complete filing through the State of Florida portal.
     
     
3. Processing timeline
   
   
   • Claims are reviewed in the order received. Many straightforward claims complete in a few months once all required information is on file.
     
     
   • Timing can vary with claim type and volume. Complex ownership (multiple owners, estates, trusts) may require additional review.
     
     
4. Payment
   
   
   • If approved, payment is issued directly by the State of Florida to the approved claimant.
     
     

Quick Tips to Avoid Delays

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• Ensure the name on your ID matches your current legal name; if it has changed, follow the portal instructions for documenting the change.
  
  
• Submit clear, edge-to-edge scans or photos of your documents (no cut-off corners, glare, or shadows).
  
  
• Monitor email and mail for follow-up requests and respond promptly.
  
  
• If you move while a claim is pending, update your contact details through the channel indicated in your claim confirmation.
  
  

Summary

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If you received a Notice of Unclaimed Money tied to a Florida address, you may be eligible to recover funds that were reported and transferred to the state for safekeeping. Florida’s process is straightforward: verify, upload, and track. With accurate information and complete documents, many claims are resolved within a few months.