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What to Do When Someone Dies in Florida

A step-by-step guide for the first days and weeks after losing a loved one. Take your time - most of these don't need to happen immediately.

Use this timeline to handle immediate post-death tasks in the right order before you move into probate, asset transfer, or executor paperwork.

If You Are the Named Executor in Florida

In plain terms: if you are named to handle the estate, there is one time-sensitive task in the first 10 days. File the original will with the county circuit court. Everything else can follow at a steadier pace. The details below explain exactly how.

If you are the named personal representative of a Florida estate, the procedural clock starts at death. Florida Statutes § 732.901 requires the custodian of the will to deposit it with the clerk of the circuit court of the county where the decedent lived within 10 days of receiving information that the decedent has died. Florida calls the role "personal representative" rather than "executor"; the duties are the same. The first-steps below are written for that role; the family-first timeline below covers immediate practical tasks that overlap with it.

  1. Deposit the original will with the circuit court clerk within 10 days

    Florida Statutes § 732.901 requires the person in possession of the original will to deposit it with the clerk of the circuit court in the county where the decedent lived within 10 days of receiving information that the decedent has died. This deadline runs even if formal probate is not yet open.

    Statute: Fla. Stat. § 732.901

    Florida probate forms by county

  2. Order 10–15 certified death certificates

    Florida financial institutions, title-transfer agencies, and the probate court each typically require their own original. Order through the funeral home or directly from the Florida Department of Health Bureau of Vital Statistics.

    Florida death certificate guide

  3. Secure the deceased’s property and digital assets

    Lock the home, change the mailbox forward, secure the vehicle, freeze credit on the decedent’s SSN, and document property condition before anything is moved. This protects the estate from depreciation and theft claims.

  4. File the Petition for Administration and request Letters of Administration

    Florida formal administration generally requires attorney representation for the personal representative. The attorney files the Petition for Administration and supporting documents with the circuit court. Once granted, the court issues Letters of Administration, the document banks and title agencies require to act on behalf of the estate. Florida Statutes § 733.301 sets the order of preference for personal representative appointment; § 733.302 sets the qualifications.

    Statute: Fla. Stat. §§ 733.301, 733.302, 733.502

    Florida personal representative duties guide

  5. Notify financial institutions and request frozen statements

    Banks, brokerages, and retirement custodians each have a death-notification process. Submit a certified death certificate and request statements as of date-of-death valuation. These statements feed the Inventory the court requires once Letters issue, and the Notice to Creditors process under Fla. Stat. § 733.2121.

    Florida asset transfer guide

Grief is exhausting. It's okay to ask for help, take breaks, and handle things one step at a time.

Timeline of Tasks

Start with the immediate tasks. Open each later phase as you reach it.

First 24-48 Hours

Pronouncement of Death
If the death occurred at home, call 911 or the deceased's doctor. A medical professional must officially pronounce the death.
Contact a Funeral Home
Choose a funeral home to transport and care for your loved one. They will guide you through many next steps.
Notify Immediate Family
Let close family members know. Consider designating one person to spread the word to extended family and friends.

First Week

Order Death Certificates
You'll need certified copies for banks, insurance, courts, and more. Order more than you think you need.
Locate Important Documents
Gather the will, trust documents, insurance policies, and financial records. Check the deceased's files, safe deposit box, and email.
Create Asset Inventory
Create a detailed inventory of all assets and debts. This is required for probate and helps make sure nothing is overlooked.
Deposit the Will with the Court
Florida law requires anyone holding a will to deposit it with the Clerk of Court within 10 days of learning of the death.
Notify Social Security
Report the death to Social Security to stop benefits and potentially claim survivor benefits.
Notify Employer (if applicable)
Contact the deceased's employer about final paycheck, benefits, and life insurance.

First Month

Decide: Attorney vs DIY
Decide whether to hire an attorney or handle probate yourself. This is a key early decision that affects cost and timeline.
Determine if Probate is Needed
Not all estates need to go through probate. The type of assets and their value determine this.
Notify Banks and Financial Institutions
Contact each bank, brokerage, and financial institution where the deceased had accounts.
Open Estate Bank Account
Open a dedicated bank account in the estate's name to receive and disburse estate funds. Never mix estate and personal funds.
Set Up Auto-Pay for Bills
Establish automatic payments from the estate account for ongoing bills to prevent service disruption during probate.
File Life Insurance Claims
Contact each life insurance company to file a claim. This can usually be done before probate.
Cancel or Transfer Services
Handle utilities, subscriptions, and services in the deceased's name.
Secure Property
Protect the deceased's home and belongings until the estate is settled.
Manage Vacant Property (If Applicable)
If property will be vacant for extended periods, take additional steps to protect it.

Ongoing (Weeks to Months)

Open Probate (if needed)
If the estate requires probate, file the appropriate petition with the court.
Notify Creditors
In formal probate, you must publish a Notice to Creditors and notify known creditors directly.
File Final Tax Returns
File the deceased's final income tax return and any estate tax returns if required.
Distribute Assets
After debts are paid and waiting periods end, distribute remaining assets to beneficiaries.
Close the Estate
File final papers with the court and be discharged as personal representative.
Clean Out and Prepare Property
Remove personal property and prepare real estate for sale or distribution. This is often one of the most time-consuming tasks.
Maintain Property During Probate
Perform regular maintenance to preserve property value and comply with fiduciary duties.

Who to Notify

Social Security Administration
Call 1-800-772-1213
Employer / HR Department
Phone call or email
Banks & Credit Unions
Visit branch with death certificate
Insurance Companies
Call policy customer service
Credit Card Companies
Call number on card
Utility Companies
Call to transfer or cancel
DMV / Vehicle Registration
Visit in person or online
Post Office
Submit change of address form

Documents to Gather

Death Certificates

Many estates start with 10-15 certified copies because banks, insurers, property-transfer contacts, and agencies may ask for them.

How to get death certificates →

Will & Trust Documents

Look in safe deposit boxes, home safes, attorney files, and records folders.

Probate guide →

Financial Statements

Bank statements, investment accounts, retirement accounts, and recent tax returns.

Asset transfer guide →

What Comes Next?

After the first 30 days, you may need to start probate or transfer assets. Use the Florida assessment to sort what may apply.