Here's a helpful link that explains the probate process in FL.
http://www.floridabar.org/tfb/TFBConsum.nsf/0a92a6dc28e76ae58525700a005d0d53/92f75229484644c985256b2f006c5a7a?OpenDocument
While a summary administration may be possible, I think you will need to file a formal administration since an insurance company will probably only deal with a person appointed as personal representative of the estate. Personal representatives are appointed in formal administrations only.
Note: You will have to get an attorney if you want to file any petition for administration with the court.
Answered on Jan 07th, 2014 at 3:51 PM