Florida Law
The statutes and rules that protect policyholders.
50 statutes summarized in plain English — grouped by what they actually do.
50 pages in this collection
Claim Handling Deadlines & Process
18What insurers must do once you file — acknowledgment, inspection, payment timelines, and disclosures.
- Florida Statute 627.4091. Cancellation of Residential Property InsuranceFlorida Statute 627.4091. Cancellation of Residential Property InsuranceFlorida Statute 627.4091
- Florida Statute 627.4133. Non-Renewal Notice RequirementsFlorida Statute 627.4133. Non-Renewal Notice RequirementsFlorida Statute 627.4133
- Florida Statute 627.4137. Policy Document Disclosure RequirementsFlorida Statute 627.4137. Policy Document Disclosure RequirementsFlorida Statute 627.4137
- Florida Statute 627.4143. Homeowner Policy Required DisclosuresFlorida Statute 627.4143. Homeowner Policy Required DisclosuresFlorida Statute 627.4143
- Florida Statute 627.421. Delivery of PolicyFlorida Statute 627.421. Delivery of PolicyFlorida Statute 627.421
- Florida Statute 627.426. Claims Administration; Insurer ResponsibilitiesFlorida Statute 627.426. Claims Administration; Insurer ResponsibilitiesFlorida Statute 627.426
- Florida Statute 627.428. Attorney Fees in Insurance DisputesFlorida Statute 627.428. Attorney Fees in Insurance DisputesFlorida Statute 627.428
- Florida Statute 627.7011. Hurricane Deductibles. Application and disclosure.Florida Statute 627.7011. Hurricane Deductibles. Application and disclosure.Florida Statute 627.7011
- Florida Statute 627.70131. Insurer Duties. Acknowledgment, inspection, payment deadlines.Florida Statute 627.70131. Insurer Duties. Acknowledgment, inspection, payment deadlines.Florida Statute 627.70131
- Florida Statute 627.70132. Notice of Claim. Deadlines for initial and supplemental claims.Florida Statute 627.70132. Notice of Claim. Deadlines for initial and supplemental claims.Florida Statute 627.70132
- Florida Statute 627.70152. Notice of Intent to Initiate LitigationFlorida Statute 627.70152. Notice of Intent to Initiate LitigationFlorida Statute 627.70152
- Florida Statute 627.70161. Renewal and Continuation RulesFlorida Statute 627.70161. Renewal and Continuation RulesFlorida Statute 627.70161
- Florida Statute 627.70163. Homeowner Property Insurance PoliciesFlorida Statute 627.70163. Homeowner Property Insurance PoliciesFlorida Statute 627.70163
- Florida Statute 627.7031. Payment of Claims. Timeliness.Florida Statute 627.7031. Payment of Claims. Timeliness.Florida Statute 627.7031
- Florida Statute 627.7077. Property Insurance Loss AdjustmentFlorida Statute 627.7077. Property Insurance Loss AdjustmentFlorida Statute 627.7077
- Florida Statute 627.7142. Homeowner Claim Bill of Rights.Florida Statute 627.7142. Homeowner Claim Bill of Rights.Florida Statute 627.7142
- Florida Statute 627.7295. Homeowner Consumer ProtectionsFlorida Statute 627.7295. Homeowner Consumer ProtectionsFlorida Statute 627.7295
- Florida Statute 627.901. Notice to Non-Renew PolicyFlorida Statute 627.901. Notice to Non-Renew PolicyFlorida Statute 627.901
Hurricane & Storm-Specific Rules
5Hurricane deductibles, windstorm coverage, sinkhole law, and emergency-period regulations.
- Florida Statute 626.8696. Emergency Public Adjusters. Post-declared-emergency rules.Florida Statute 626.8696. Emergency Public Adjusters. Post-declared-emergency rules.Florida Statute 626.8696
- Florida Statute 627.701. Hurricane Deductibles StatuteFlorida Statute 627.701. Hurricane Deductibles StatuteFlorida Statute 627.701
- Florida Statute 627.7013. Sinkhole Policy EndorsementsFlorida Statute 627.7013. Sinkhole Policy EndorsementsFlorida Statute 627.7013
- Florida Statute 627.706. Sinkhole Coverage and InvestigationFlorida Statute 627.706. Sinkhole Coverage and InvestigationFlorida Statute 627.706
- Florida Statute 627.712. Residential Windstorm CoverageFlorida Statute 627.712. Residential Windstorm CoverageFlorida Statute 627.712
Public Adjuster Regulation
10Licensing, fees, contracts, solicitation rules, and emergency-period requirements that govern public adjusters.
- Florida Statute 626.854. Public Adjuster Defined. Licensing, contracts, fee caps.Florida Statute 626.854. Public Adjuster Defined. Licensing, contracts, fee caps.Florida Statute 626.854
- Florida Statute 626.856. Public Adjuster Apprentice RequirementsFlorida Statute 626.856. Public Adjuster Apprentice RequirementsFlorida Statute 626.856
- Florida Statute 626.858. Public Adjuster Contract RequirementsFlorida Statute 626.858. Public Adjuster Contract RequirementsFlorida Statute 626.858
- Florida Statute 626.861. Public Adjuster Examination RequirementsFlorida Statute 626.861. Public Adjuster Examination RequirementsFlorida Statute 626.861
- Florida Statute 626.864. Public Adjuster Continuing EducationFlorida Statute 626.864. Public Adjuster Continuing EducationFlorida Statute 626.864
- Florida Statute 626.8651. Public Adjuster Apprentice. Requirements.Florida Statute 626.8651. Public Adjuster Apprentice. Requirements.Florida Statute 626.8651
- Florida Statute 626.867. Public Adjuster Bond RequirementsFlorida Statute 626.867. Public Adjuster Bond RequirementsFlorida Statute 626.867
- Florida Statute 626.869. Public Adjuster Violations and PenaltiesFlorida Statute 626.869. Public Adjuster Violations and PenaltiesFlorida Statute 626.869
- Florida Statute 626.870. Public Adjuster Solicitation. Time and manner restrictions.Florida Statute 626.870. Public Adjuster Solicitation. Time and manner restrictions.Florida Statute 626.870
- Florida Statute 627.7281. Public Adjuster Solicitation RestrictionsFlorida Statute 627.7281. Public Adjuster Solicitation RestrictionsFlorida Statute 627.7281
Settlement, Repair Standards & AOB
3Matching rules, line-of-sight, Assignment of Benefits restrictions, and how repairs must be performed.
- Florida Statute 626.9744. Matching of Property. When repairs must match undamaged areas.Florida Statute 626.9744. Matching of Property. When repairs must match undamaged areas.Florida Statute 626.9744
- Florida Statute 627.7152. Assignment of Benefits (AOB) Restrictions.Florida Statute 627.7152. Assignment of Benefits (AOB) Restrictions.Florida Statute 627.7152
- Florida Statute 627.7277. Matching Coverage and Line-of-Sight Repairs.Florida Statute 627.7277. Matching Coverage and Line-of-Sight Repairs.Florida Statute 627.7277
Bad Faith, Appraisal, Mediation & Litigation
8Civil remedy, unfair claims practices, mediation, appraisal procedures, and pre-suit notice rules.
- Florida Statute 624.155. Civil Remedy / Bad Faith Actions Against InsurersFlorida Statute 624.155. Civil Remedy / Bad Faith Actions Against InsurersFlorida Statute 624.155
- Florida Statute 624.1551. Bad Faith Action LimitationsFlorida Statute 624.1551. Bad Faith Action LimitationsFlorida Statute 624.1551
- Florida Statute 626.9541. Unfair Insurance Trade Practices.Florida Statute 626.9541. Unfair Insurance Trade Practices.Florida Statute 626.9541
- Florida Statute 626.9611. Rebates and Inducements ProhibitedFlorida Statute 626.9611. Rebates and Inducements ProhibitedFlorida Statute 626.9611
- Florida Statute 626.9641. Unfair Claims Settlement PracticesFlorida Statute 626.9641. Unfair Claims Settlement PracticesFlorida Statute 626.9641
- Florida Statute 627.7015. Mediation Program for Property Claims.Florida Statute 627.7015. Mediation Program for Property Claims.Florida Statute 627.7015
- Florida Statute 627.70151. Appraisal ProceduresFlorida Statute 627.70151. Appraisal ProceduresFlorida Statute 627.70151
- Florida Statute 627.70154. Preferred Suit ProceduresFlorida Statute 627.70154. Preferred Suit ProceduresFlorida Statute 627.70154
Adjacent Statutes (FIGA, Liens, Condo, Limitations)
6Statute of limitations, service of process, FIGA, construction liens, and condo-association duties.
- Florida Statute 48.031. Service of Process in FloridaFlorida Statute 48.031. Service of Process in FloridaFlorida Statute 48.031
- Florida Statute 627.734. Uninsured Motorist Coverage ApplicabilityFlorida Statute 627.734. Uninsured Motorist Coverage ApplicabilityFlorida Statute 627.734
- Florida Statute 718.111. Condominium Association Duties.Florida Statute 718.111. Condominium Association Duties.Florida Statute 718.111
- Florida Statute 95.11. Statute of Limitations for Insurance DisputesFlorida Statute 95.11. Statute of Limitations for Insurance DisputesFlorida Statute 95.11
- Florida Statute Chapter 631. Florida Insurance Guaranty Association (FIGA)Florida Statute Chapter 631. Florida Insurance Guaranty Association (FIGA)Florida Statute Chapter 631
- Florida Statute Chapter 713. Construction Liens and Contractor RightsFlorida Statute Chapter 713. Construction Liens and Contractor RightsFlorida Statute Chapter 713
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
Step 1 of 6· Damage17%
Damage
When
Carrier
Where
Offer
Contact
What kind of damage?
Pick the closest match. We will ask for details later.