Florida Statute 627.4091. Specific reasons for denial, cancellation, or nonrenewal.
Florida Statute 627.4091. Specific reasons for denial, cancellation, or nonrenewal.
Florida Statute 627.4091. Specific reasons for denial, cancellation, or nonrenewal.
Purpose
What this statute does
The Florida Legislature titles this section "Specific reasons for denial, cancellation, or nonrenewal." The full text is reproduced below.
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In practice
How it applies to your claim
Florida Statute 627.4091 governs the denial of an insurance application, the cancellation of a policy, and the nonrenewal of a policy at expiration - underwriting decisions, not the handling of a filed claim. If your carrier denied a CLAIM you already filed, this is the wrong statute: the claim-handling statutes you want are Florida Statute 627.70131 (carrier timelines and the written-explanation requirement), Florida Statute 627.7142 (Homeowner Claims Bill of Rights), Florida Statute 626.9541(1)(i) (unfair claim settlement practices), Florida Statute 624.155 (civil remedy / bad faith), and Florida Statute 627.7015 (free DFS mediation).
See also
Related statutes
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Quoted from the Florida Statutes
The text of Florida Statute 627.4091
(1) The denial of an application for an insurance policy must be accompanied by the specific reasons for denial, including the specific underwriting reasons, if applicable.
(2) Each notice of nonrenewal or cancellation must be accompanied by the specific reasons for nonrenewal or cancellation, including the specific underwriting reasons, if applicable.
(3) No cause of action in the nature of defamation, invasion of privacy, or negligence shall arise against any person for disclosing personal or privileged information in accordance with this section, nor shall such a cause of action arise against any person for furnishing personal or privileged information to an insurance institution, agent, or insurance-support organization; however, this section shall provide no immunity for disclosing or furnishing false information through gross negligence or with malice or willful intent to injure any person.
(4) The provisions of any other statute respecting disclosure of personal information control to the extent of any conflict with this section.
Read the rest of Florida Statute 627.4091
(5) When an insurer refuses to provide private passenger automobile insurance or personal lines residential property insurance, including, but not limited to, homeowner’s, mobile home owner’s, condominium unit owner’s, or other insurance covering a personal residential structure, to an applicant due to adverse underwriting information, the insurer shall:
(a) Provide to the applicant specific information regarding the reasons for the refusal to insure.
(b) If the reason for the refusal to insure is based on a loss underwriting history or report from a consumer reporting agency, to the extent applicable identify the loss underwriting history and notify the applicant of his or her right under the federal Fair and Accurate Credit Transactions Act to obtain a copy of the report from the consumer reporting agency.
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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