Florida Statute 626.9744. Claim settlement practices relating to property insurance.
Florida Statute 626.9744. Claim settlement practices relating to property insurance.
Florida Statute 626.9744. Claim settlement practices relating to property insurance.
Purpose
What this statute does
The Florida Legislature titles this section "Claim settlement practices relating to property insurance." The full text is reproduced below.
In practice
How it applies to your claim
Florida Statute 626.9744 is titled "Claim settlement practices relating to property insurance." Whether it 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.
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Common Florida policyholder situations governed by this rule.
Common Florida policyholder situations governed by this rule.
Common Florida policyholder situations governed by this rule.
Common Florida policyholder situations governed by this rule.
Common Florida policyholder situations governed by this rule.
Common Florida policyholder situations governed by this rule.
Common Florida policyholder situations governed by this rule.
Common Florida policyholder situations governed by this rule.
Cross-reference
Denials citing Florida Statute 626.9744
Carrier denials that cite this statute as authority.
Carrier denials that cite this statute as authority.
Carrier denials that cite this statute as authority.
Carrier denials that cite this statute as authority.
Carrier denials that cite this statute as authority.
Carrier denials that cite this statute as authority.
Carrier denials that cite this statute as authority.
Carrier denials that cite this statute as authority.
Quoted from the Florida Statutes
The text of Florida Statute 626.9744
Unless otherwise provided by the policy, when a homeowner’s insurance policy provides for the adjustment and settlement of first-party losses based on repair or replacement cost, the following requirements apply:
(1) When a loss requires repair or replacement of an item or part, any physical damage incurred in making such repair or replacement which is covered and not otherwise excluded by the policy shall be included in the loss to the extent of any applicable limits. The insured may not be required to pay for betterment required by ordinance or code except for the applicable deductible, unless specifically excluded or limited by the policy.
(2) When a loss requires replacement of items and the replaced items do not match in quality, color, or size, the insurer shall make reasonable repairs or replacement of items in adjoining areas. In determining the extent of the repairs or replacement of items in adjoining areas, the insurer may consider the cost of repairing or replacing the undamaged portions of the property, the degree of uniformity that can be achieved without such cost, the remaining useful life of the undamaged portion, and other relevant factors.
Read the rest of Florida Statute 626.9744
(3) This section shall not be construed to make the insurer a warrantor of the repairs made pursuant to this section.
(4) Nothing in this section shall be construed to authorize or preclude enforcement of policy provisions relating to settlement disputes.
Reproduced from the Florida Legislature's published text, retrieved July 26, 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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