PRIVATE SITE — NOT A GOVERNMENT AGENCY. Official State site: ClaimYourCashFL.gov — free to search and claim.Read more

FindAbandonedProperty.com is published by Spyglass Investigations, a Florida-licensed private investigative agency (license A3600115) and registered Florida claimant representative. It is not affiliated with, endorsed by, sponsored by, or acting on behalf of the State of Florida, the Florida Department of Financial Services, the Division of Unclaimed Property, the Chief Financial Officer, Claim Your Cash Florida, or any government agency.

ClaimYourCashFL.gov is the official State website. Searching the State database and filing your own claim are free, and there is no deadline. Hiring a claimant representative is always optional.

This site uses no State seal, program logo or official insignia. If the address you are reading does not end in .gov, it is not a government site.

Spyglass Investigations FL Licensed Investigative Agency A3600115 · Registered Florida Claimant Representative A3600115 · Registered FL Claimant Representative

Florida Licensed Private Investigative Agency · A3600115 · Registered claimant representative

Is your Florida abandoned property letter a scam? Verify it before you sign anything.

Is your abandoned property letter a scam? Verify it first.

Verify the letter

Received a letter saying you have abandoned property, unclaimed property, or unclaimed money in Florida? Three different kinds of letters reach Florida owners: a notice from the State, a letter from a licensed representative, or a scam. The official State website is ClaimYourCashFL.gov — free to search and claim.

Verify the letter

Received a letter saying you have abandoned property, unclaimed property, or unclaimed money in Florida? Three different kinds of letters reach Florida owners: a notice from the State, a letter from a licensed representative, or a scam. The official State website is ClaimYourCashFL.gov — free to search and claim.

Is my letter a scam?

Not necessarily — the money behind it is usually real. Three kinds of letters reach owners: a notice from the State, a solicitation from a licensed representative, or fraud. Verify the property first on the State’s free database; if the record exists, the money is real no matter who mailed you. Then judge the sender.

See the three kinds of letters →
Who may lawfully charge me a fee?

Only three licensed professions: Florida-licensed attorneys, Florida CPAs, and Florida-licensed private investigators. The State publishes the approved list so you can check any of them. Total fees are capped at 30% of the claim and may be owed only after a claim is approved.

See who is registered →
Why hire Spyglass Investigations?

Filing is free; getting approved is the hard part. The State is a custodian, not your advocate, and the most common cause of delay is incomplete documentation. We prove entitlement, gather certified records, submit a complete package and carry it through review. Nothing is owed unless the claim is approved.

Read what the work involves →
What to do, step by step
1Sign nothing, send nothing. There is no deadline, so there is no reason to rush.
2Search your name free on the State site. Try maiden, married, previous, business and misspelled versions.
3Look the sender up on the State's approved list. Confirm who is contacting you before you sign anything.
4Check the form. A claimant-representative agreement should be the State's form DFS-UP-309.
5Decide whether to file yourself or hand it off. Straightforward claims can be filed free; complex documentation is where professional help may be useful.
What is the official State website?

ClaimYourCashFL.gov, run by the Florida Department of Financial Services, Division of Unclaimed Property. The free search is at portal.claimyourcashfl.gov/ClaimSearch. Any site on a domain that is not .gov — including this one — is private.

Read about the official program →
All questions and answers

Fourteen answers covering scam texts, the 30% fee cap, the only lawful agreement, deadlines, complaints and heir claims.

Open the full FAQ →
  • $3B+ held by the State
  • 1 in 5 Floridians affected
  • $0 to claim it yourself
  • No deadline to file

Who publishes this guide

Spyglass Investigations — registered Florida claimant representative

A Florida-licensed private investigative agency — license A3600115 — and an registered Florida claimant representative, based in Naples and serving all 67 counties. Florida-licensed private investigators are one of the three professions the State permits to assist owners with abandoned property claims, alongside Florida attorneys and CPAs. We wrote this guide because most of the questions we are asked are the ones below.

Florida-licensed investigative agency A3600115 and registered Florida claimant representative. Naples, all 67 counties. Licensed private investigators are one of the three professions the State permits to assist with claims.

$0 up frontNo fee unless a claim is approved
Form DFS-UP-309 onlyThe State's exclusive agreement
Free letter reviewFrom us or any other company

Letter legitimacy

Is an abandoned property letter a scam?

Florida holds more than $3 billion in abandoned property and about one in five Floridians has some, which also makes it a target for fraud. A letter about it is usually one of three things. Start with the property, not the sender: if you can find the record yourself on the State's free database, the money is real no matter who mailed you. Then judge the sender separately. Spyglass Investigations will review a letter from any company, including a competitor's.

Usually one of three things. Start with the property, not the sender — if the record is on the State's free database, the money is real no matter who mailed you.

See the three kinds of letters

Type 1 · Legitimate

A notice from the State of Florida

The Division regularly mails owners when its records show they may have abandoned property.

  • Arrives by mail, never by text
  • Asks for no fee of any kind
  • Points you to the State's own database
  • Comes from the Department of Financial Services by name
  • Never asks for a bank password or a payment method
  • Gives you a claim number you can check online

See the State's sample notice →

Type 2 · Legal, but optional

A letter from a licensed representative

Florida allows licensed attorneys, CPAs and private investigators to review public records and offer help. Spyglass Investigations is in that category.

  • Names a licensed professional and a license number
  • Tells you the State's process is free and optional
  • Uses only form DFS-UP-309, nothing up front
  • Appears on the State's public list of approved entities
  • States its fee and your net amount in writing before you sign
  • Does not claim to be the State or to be endorsed by it

A private letter is not a government notice, even when perfectly lawful.

Type 3 · Fraud

Someone impersonating the program

Common signs:

  • A text claiming to be the Department
  • Any fee, card, wire, gift card or crypto before you are paid
  • "Act now or lose it" — Florida has no deadline
  • Requests for bank passwords or a full SSN by email
  • A private company presenting itself as the State
  • A web address that is not a .gov but looks official
  • An agreement that is not the State's form DFS-UP-309
  • A demand to keep the matter confidential or act alone
  • A refusal to put the fee and your net amount in writing
Back to the questions

The honest answer

Why hire Spyglass Investigations if you can file yourself?

Many owners should simply file on their own. The question is not whether you can file — it is whether the paperwork behind your claim is straightforward.

Many owners should simply file on their own. The question is whether the paperwork behind your claim is straightforward — the State is a custodian, not your advocate, and it will hold or deny a claim it cannot verify.

Anyone can start a claim on the State's website in a few minutes, and that part is free. The difficulty is in what follows. The State is a custodian, not your advocate: it applies an evidentiary standard and will hold or deny a claim it cannot verify. The Division states that the most common cause of delay is incomplete documentation.

An investigator is hired to make sure the claim goes through: that entitlement is proven, that every required document is gathered in an acceptable form, and that nothing in the file gives the Division a reason to deny it.

Where claims stall, and what we do about it

The paperwork side

Where claims usually get held up

  • Nothing in the file connects you to the address, employer, bank or account number that was actually reported.
  • Many people share your name and a driver license alone does not settle which one you are.
  • An heir claim is missing a certified death certificate, probate records, or a signature and ID from a co-heir.
  • The owner is a dissolved, renamed or merged business and no one has proven successor authority.
  • Proof was submitted in a form the Division does not accept — handwritten letters, letterhead, business cards, internet printouts.
  • A request for more information arrives, goes unanswered, and the review period simply extends.

What we are actually hired for

What the work involves

  • Identity and ownership research. Address history, employment history, maiden and married names, name variants and misspellings that hide property from a basic search.
  • Heir identification. Building the family and succession chain, then locating living heirs and documenting their entitlement.
  • Document procurement. Certified vital records, probate and estate filings, corporate and successor records, statements and account evidence.
  • Package assembly to the Division's standard. Right form, right proof, right order, complete on first submission.
  • Follow-through. We monitor status and answer the Division’s requests for additional information so the file keeps moving.
  • Letter verification. Before any of that, we tell you whether the letter you received — from us or anyone else — matches a real reported account.

File it yourself when…

The property is in your own current name, you still live at the reported address, the amount is small, and you have time to follow up. Keep the full amount — that is the right call, and we will say so.

Call us when…

The owner has died, there are multiple heirs, the business no longer exists, the address or name no longer matches, securities or a safe deposit box are involved, or a claim has already been denied or gone quiet.

No cost to try

Florida law allows a fee only after a filed claim is approved. If the claim is not approved, no fee and no costs are owed under the agreement.

Talk to an investigator Start with a case review
Back to the questions

Five minutes, in this order

What to do when you receive a letter about unclaimed money

1

Sign nothing, send nothing

No legitimate party needs money or a signature in the first five minutes. There is no deadline, so there is no rush.

2

Search your name free on the State site

Try every version: maiden, married, previous, business, misspellings. Search at portal.claimyourcashfl.gov. No match means the letter is unverified.

3

Look the sender up on the State's list

Florida publishes the private entities currently approved as claimant representatives. If the sender is not there and is not your own attorney or CPA, ask why.

4

Check the form you are handed

One lawful instrument exists: form DFS-UP-309. §717.135 makes it the exclusive means of contracting for a claim — any other fee agreement is void.

5

Decide: file it yourself, or hand it off

Simple claim in your own name? Do it free. Heir, estate, business, securities or safe-deposit claim? That is where documentation defeats people.

SI

Want steps 2 through 5 done for you?

Send us the letter. We check the account against the State’s records and tell you whether you need representation at all.

Call (239) 544-6423
File a complaint with the Division → Read form DFS-UP-309 →
Back to the questions

Claimant representatives

Who may lawfully be paid to help with a Florida claim

Florida does not let just anyone charge a fee to file your claim. The Division's own consumer guidance names three categories of licensed professional, and the State maintains a public list of the private entities currently approved. Anyone outside it who asks you to sign a fee agreement is a problem.

Only three licensed professions may charge a fee, and the State publishes the approved list. Anyone outside it asking you to sign is a problem.

Florida-licensed attorneys

Members of The Florida Bar in good standing.

Florida-certified public accountants

CPAs licensed in Florida.

Florida-licensed private investigators

Agencies licensed by FDACS — Spyglass Investigations is in this category, license A3600115.

Directory of approved representatives

Verify any name on the State's own list →

Publisher of this site · Serving all 67 counties

Spyglass Investigations

Florida-licensed private investigative agency, license A3600115, and registered claimant representative with the Florida Department of Financial Services, Division of Unclaimed Property. Based in Naples. Heir, estate, business-entity and multi-generational claims are routine work for us.

  • $0 up front
  • Form DFS-UP-309 only
  • No fee unless approved
  • (239) 544-6423
Call (239) 544-6423 Have us review my letter

A review does not create representation, authorize a claim, or obligate you to anything.

Spyglass Investigations publishes this site and is therefore listed first. This directory is not the State's official list and appearing here is not a State endorsement of anyone. Confirm any representative against Florida's public list, and check licensure with FDACS or The Florida Bar.

Back to the questions

The official program · claimyourcashfl.gov

What is the official State website? ClaimYourCashFL.gov

Claim Your Cash Florida is the public-awareness name for Florida's long-standing abandoned property program, administered by the Florida Department of Financial Services, Division of Unclaimed Property under Chapter 717, Florida Statutes. The 2026 launch gave the program a new name and website. It did not change the law, the claim requirements, or the fact that the process is free.

Claim Your Cash Florida is the State's name for its long-standing abandoned property program, run by the Department of Financial Services under Chapter 717. New name and website in 2026 — same law, still free.

What the State actually holds

Not land or buildings. Financial assets that lost contact with their owner: dormant bank accounts, uncashed payroll and refund checks, utility deposits, insurance proceeds, stocks and dividends, trust distributions, credit balances and safe deposit box contents.

Businesses must try to reach you first. When they cannot and the dormancy period has run, the law requires them to hand the asset to the State, which holds it as custodian. The State never becomes the owner.

Five things Florida law gives you

  • Searching and claiming directly with the State is free.
  • No statute of limitations. Your right to claim never expires.
  • You never have to hire anyone. A representative is optional.
  • Total fees and costs cannot exceed 30% of the claim.
  • A fee can be owed only after a filed claim is approved.
Florida's own words at §717.139(1): it is the public policy of the state that owners of abandoned property "receive the full amount of any abandoned property without any fee." Weigh it before hiring anyone, including us.

ClaimYourCashFL.gov — the official State website. Free search, free claim, no deadline. Official search: portal.claimyourcashfl.gov/ClaimSearch.

FindAbandonedProperty.com — this site. Private, published by Spyglass Investigations, a registered Florida claimant representative. Not the State, not endorsed by the State. If the address you are reading does not end in .gov, it is not a government site.

Previously searched FLTreasureHunt.gov? Same program. Use ClaimYourCashFL.gov now.

Back to the questions

Questions people actually search

Florida abandoned property FAQ

What is the official Florida abandoned property website?
ClaimYourCashFL.gov, operated by the Florida Department of Financial Services, Division of Unclaimed Property. The official free search is at portal.claimyourcashfl.gov/ClaimSearch and claim status at the same portal. Any site on a domain that is not .gov — including this one — is private. Spyglass Investigations publishes FindAbandonedProperty.com and is not the State, not endorsed by the State, and not acting on the State's behalf.
Why hire an investigator if I can file myself for free?
Because filing is not the hard part. The Division's own guidance says incomplete documentation is the most common cause of delay, and it rejects handwritten letters, letterhead, business cards and internet printouts as proof. You hire Spyglass Investigations to prove the link between you and the reported account, find and document heirs, obtain certified records, submit a complete package the first time, and answer the Division's requests so the file keeps moving. No fee is owed unless the claim is approved.
Why do Florida claims get denied or delayed?
Almost always documentation: a name that does not match the reported record, nothing proving your link to the previous address, employer or institution on the account, missing certified death certificates or probate records on heir claims, a co-heir who never signed, a business that dissolved without proof of successor authority, or proof submitted in a form the Division does not accept.
Is FindAbandonedProperty.com the official Florida website?
No. ClaimYourCashFL.gov is the official Florida Department of Financial Services website. ClaimYourCashFL.com is this private site, published by Spyglass Investigations, a Florida-licensed private investigative agency. We are not the State, not endorsed by the State, and not acting on the State's behalf.
Is an abandoned property letter a scam?
Not necessarily — the money behind it is usually real. Verify the property, not the envelope: search your name free on the State database, and if a matching record exists the asset is real regardless of who mailed you. Then judge the sender separately against the State's approved list.
I got a text about my unclaimed money. Is it real?
No. The Florida Department of Financial Services has stated it will never text property owners about abandoned property. Do not tap the link and do not reply with personal details.
Do I have to pay anyone to claim unclaimed money in Florida?
No. Searching and filing directly with the State is free — no search, registration, subscription or filing fee. Florida law states it is in owners' best interests to receive the full amount without any fee. And never pay anyone merely to search for you; that database is public and free.
How much can a recovery company charge in Florida?
Under §717.135, Florida Statutes, total fees and costs may not exceed 30% of the claimed amount. If an agreement charges more, the fee is reduced to 30% and the State remits the balance directly to the claimant. Fees may be owed or paid only after a filed claim has been approved.
Someone asked me to sign a recovery agreement. Is it legal?
Only one form is. §717.135 makes the State's Abandoned Property Recovery Agreement (DFS-UP-309) the exclusive means of contracting with a claimant representative, and any other engagement, authorization or fee agreement relating to Florida abandoned property is void. It must disclose the total claimed, the fee percentage, the dollar fee and your net amount before you sign. Handed something else? Report it to the Division.
I was told I'll lose the money if I don't act fast. True?
False, and a reportable misrepresentation. Florida has no statute of limitations on abandoned property. The State is only a custodian; ownership stays with you and your heirs indefinitely, whether the property was reported last year or decades ago.
Can a private investigator help me claim abandoned property?
Yes. Florida's guidance identifies Florida-licensed private investigators, alongside Florida-licensed attorneys and Florida CPAs, as professionals who may assist owners as claimant representatives. Spyglass Investigations holds Florida agency license A3600115, and the State publishes a public list of approved private entities so you can check any of them.
How do I claim a deceased relative's unclaimed money in Florida?
Search the database for their name, compare address, employer and reporting company to what you know of them, then initiate a claim marking the owner as deceased. The State issues a claim form with heir, beneficiary or estate instructions. Expect to prove entitlement with certified death certificates and probate records under Florida Administrative Code 69G-20.0022(3), and expect every heir to sign and provide identification. This is the category where documentation defeats most people.
Is abandoned property the same as unclaimed property or unclaimed money?
Here, yes. "Abandoned property" and "abandoned funds" are the State's current public-facing terms; "unclaimed property," "unclaimed money" and "unclaimed funds" remain what most people search. Same program, same Division, same Chapter 717.
What happened to FLTreasureHunt.gov?
Florida moved the public-facing experience to Claim Your Cash Florida at ClaimYourCashFL.gov. The launch changed the name and the website, not the abandoned property laws or the claim requirements.
How do I report an unclaimed property scam in Florida?
Use the Division of Unclaimed Property's online complaint form for anyone who contacted you about abandoned property, asked you to sign a recovery agreement, or charged fees. For suspected identity theft, also contact law enforcement.
Back to the questions

Have your letter checked before you sign anything.

Whether it came from Spyglass Investigations, another recovery company, a law firm or someone you have never heard of, we will verify the account against the State’s records and tell you whether you need help at all. Nothing is owed unless a claim is approved.

Call (239) 544-6423 Email us

Prefer to do it yourself? File directly with the State at no charge. We will still check your letter for free.

Verify everything here independently

Official Florida sources cited on this page

See all official Florida sources

Reviewed September 18, 2026. Nothing on this page is legal advice.

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