Florida Statute 626.913. Surplus Lines Law; exemption of surplus lines insurance from chapter 627.
Florida Statute 626.913. Surplus Lines Law; exemption of surplus lines insurance from chapter 627.
Florida Statute 626.913. Surplus Lines Law; exemption of surplus lines insurance from chapter 627.
Purpose
What this statute does
This statute establishes specific rights, duties, and deadlines affecting Florida property insurance policyholders. Understanding the statute is the difference between asserting your rights effectively and accepting carrier framing.
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In practice
How it applies to your claim
Whether Florida Statute 626.913 reaches your claim depends on your policy language and the facts of your loss. If it fits, cite the section by number when you correspond with your carrier.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
See also
Related statutes
Carrier duties and claim deadlines.
Notice of claim deadlines.
Public adjuster licensing and conduct.
Homeowner Claim Bill of Rights.
Matching statute.
AOB restrictions.
No obligation. No fee unless recovery.
No fee unless we recover more.
Quoted from the Florida Statutes
The text of Florida Statute 626.913
(1) Sections 626.913-626.937 constitute and may be referred to as the “Surplus Lines Law.”
(2) It is declared that the purposes of the Surplus Lines Law are to provide orderly access for the insuring public of this state to insurers not authorized to transact insurance in this state, through only qualified, licensed, and supervised surplus lines agents resident in this state, for insurance coverages and to the extent thereof not procurable from authorized insurers; to protect such authorized insurers, who under the laws of this state must meet certain standards as to policy forms and rates, from unwarranted competition by unauthorized insurers who, in the absence of this law, would not be subject to similar requirements; and for other purposes as set forth in this Surplus Lines Law.
(3) This section, and this Surplus Lines Law, do not apply as to insurance coverages which are subject to s. 626.938.
(4) Except as may be specifically stated to apply to surplus lines insurers, the provisions of chapter 627 do not apply to surplus lines insurance authorized under ss. 626.913-626.937, the Surplus Lines Law.
Reproduced from the Florida Legislature's published text, retrieved August 8, 2026. Read it at flsenate.gov
Statutes are amended. Confirm the current text at the source before relying on it.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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