State Unclaimed Property in Florida
The Florida Department of Financial Services, Division of Unclaimed Property, holds dormant accounts, uncashed checks, insurance proceeds, and similar assets until the owner or their heirs claim them. Heirs of a deceased owner file a claim with a certified death certificate plus documentation proving entitlement.
Administering agency
Florida Department of Financial Services — Division of Unclaimed Property
Authority
Fla. Stat. Chapter 717 (Florida Disposition of Abandoned Personal Property Act); § 717.124 (abandoned property claims); § 717.1243 (small estate accounts); § 717.1261 (death certificates); Fla. Admin. Code R. 69G-20.0022
State Unclaimed Property in Florida: key facts
- Administering office
- Florida Department of Financial Services, Division of Unclaimed Property, 200 East Gaines Street, Tallahassee, FL 32399-0358.
- Official search
- fltreasurehunt.gov — free search and online claim initiation, available at no cost to owners and heirs.
- Heir claim documents
- A certified copy of the death certificate, plus — if the estate is open — court records certified within the past year showing the personal representative's authority, or — if the estate is closed — a certified probate court order identifying the beneficiaries and each one's share. A will standing alone is never sufficient. Every claimant also submits photo identification and a signed claim form.
- Small estate accounts (no probate order)
- Under Fla. Stat. 717.1243, beneficiaries may claim without a probate court order by filing Form DFS-UP-1243 (Estate Affidavit) signed by all beneficiaries, where all property the Department holds for the owner totals $20,000 or less and no probate proceeding is pending. The affidavit states that the beneficiaries have amicably agreed on a division of the estate and that funeral expenses, expenses of the last illness, and other lawful claims have been paid. A copy of the will is filed if the owner died testate. No partial payments are made.
- Claim processing time
- The Department must determine a claim within 90 days after receipt of the claim, or after the claimant's response to a request for additional information, whichever is later. That period is extended by 60 days for good cause or in specified cases (bankruptcy, a foreign address, a claimant outside the United States, non-English documents). The Division does not publish an expected processing time.
Governing law: Fla. Stat. Chapter 717 (Florida Disposition of Abandoned Personal Property Act); § 717.124 (abandoned property claims); § 717.1243 (small estate accounts); § 717.1261 (death certificates); Fla. Admin. Code R. 69G-20.0022
Steps to take when someone dies
- Search fltreasurehunt.gov for the deceased's name, including maiden and prior names.
- File the claim with a certified copy of the death certificate and proof of entitlement:
- Open estate: clerk-certified estate records, dated within one year of filing, showing the personal representative's authority to act
- Closed estate: a certified probate court order identifying the beneficiaries and each one's proportional entitlement
- Property totaling $20,000 or less with no probate pending: Form DFS-UP-1243 (Estate Affidavit) signed by all beneficiaries, plus a copy of the will if the owner died testate
- Include photo identification and a signed claim form for every claimant, then respond to any Department request for additional documentation within 60 days.
Florida Department of Financial Services — Division of Unclaimed Property
Phone: 1-888-258-2253
Visit the agency website →Frequently asked questions
Search fltreasurehunt.gov, then file a claim with the Division of Unclaimed Property using a certified copy of the death certificate plus proof of entitlement — clerk-certified estate records showing the personal representative's authority if the estate is open, or a certified probate court order identifying the beneficiaries and their shares if the estate is closed. A will standing alone is not sufficient. Each claimant also submits identification and a signed claim form.
Yes, in limited cases. Under Fla. Stat. 717.1243, beneficiaries may claim without a probate court order by filing Form DFS-UP-1243, an affidavit signed by all beneficiaries, where the total unclaimed property the Department holds for the owner is $20,000 or less and no probate proceeding is pending. No partial payments are made.
No. The Department acts as custodian and never takes legal ownership of the property; the Division states that citizens have the right to claim their property, at no cost, any time, regardless of the amount.
Sources
Data sourced from State Unclaimed Property in Florida primary sources (8 pages reviewed). How we research.
Administering agency
Florida Department of Financial Services — Division of Unclaimed Property
Authority
Fla. Stat. Chapter 717 (Florida Disposition of Abandoned Personal Property Act); § 717.124 (abandoned property claims); § 717.1243 (small estate accounts); § 717.1261 (death certificates); Fla. Admin. Code R. 69G-20.0022