Florida Law
The statutes and rules that protect policyholders.
59 statutes summarized in plain English. Grouped by what they actually do.
59 pages in this collection
Claim Handling Deadlines & Process
25What insurers must do once you file. Acknowledgment, inspection, payment timelines, and disclosures.
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 626.913Florida Statute 626.924. Surplus lines policy disclosure notice; policy face stamp.
Florida Statute 626.924. Surplus lines policy disclosure notice; policy face stamp.Florida Statute 626.924Florida Statute 626.9374. Surplus lines hurricane and wind deductible disclosure.
Florida Statute 626.9374. Surplus lines hurricane and wind deductible disclosure.Florida Statute 626.9374Florida Statute 627.4091. Specific reasons for denial, cancellation, or nonrenewal.
Florida Statute 627.4091. Specific reasons for denial, cancellation, or nonrenewal.Florida Statute 627.4091Florida Statute 627.4133. Notice of cancellation, nonrenewal, or renewal premium.
Florida Statute 627.4133. Notice of cancellation, nonrenewal, or renewal premium.Florida Statute 627.4133Florida Statute 627.4137. Disclosure of certain information required.
Florida Statute 627.4137. Disclosure of certain information required.Florida Statute 627.4137Florida Statute 627.4143. Outline of coverage.
Florida Statute 627.4143. Outline of coverage.Florida Statute 627.4143Florida Statute 627.421. Delivery of policy.
Florida Statute 627.421. Delivery of policy.Florida Statute 627.421Florida Statute 627.426. Claims administration.
Florida Statute 627.426. Claims administration.Florida Statute 627.426Florida Statute 627.428 was repealed
Florida Statute 627.428 was repealed. It last appears in the 2022 edition of the Florida Statutes.Florida Statute 627.428Florida Statute 627.70131. Insurer’s duty to acknowledge communications regarding claims; investigation.
Florida Statute 627.70131. Insurer’s duty to acknowledge communications regarding claims; investigation.Florida Statute 627.70131Florida Statute 627.70132. Notice of property insurance claim.
Florida Statute 627.70132. Notice of property insurance claim.Florida Statute 627.70132Florida Statute 627.70153. Consolidation of residential property insurance actions.
Florida Statute 627.70153. Consolidation of residential property insurance actions.Florida Statute 627.70153Florida Statute 627.70163. Homeowner Property Insurance Policies
Florida Statute 627.70163. Homeowner Property Insurance PoliciesFlorida Statute 627.70163Florida Statute 627.702. Valued policy law.
Florida Statute 627.702. Valued policy law.Florida Statute 627.702Florida Statute 627.7031. Payment of Claims. Timeliness.
Florida Statute 627.7031. Payment of Claims. Timeliness.Florida Statute 627.7031Florida Statute 627.707. Investigation of sinkhole claims; insurer payment; nonrenewals.
Florida Statute 627.707. Investigation of sinkhole claims; insurer payment; nonrenewals.Florida Statute 627.707Florida Statute 627.7072. Testing standards for sinkholes.
Florida Statute 627.7072. Testing standards for sinkholes.Florida Statute 627.7072Florida Statute 627.7074. Alternative procedure for resolution of disputed sinkhole insurance claims.
Florida Statute 627.7074. Alternative procedure for resolution of disputed sinkhole insurance claims.Florida Statute 627.7074Florida Statute 627.7077. Property Insurance Loss Adjustment
Florida Statute 627.7077. Property Insurance Loss AdjustmentFlorida Statute 627.7077Florida Statute 627.711. Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form.
Florida Statute 627.711. Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form.Florida Statute 627.711Florida Statute 627.714. Residential condominium unit owner coverage; loss assessment coverage required.
Florida Statute 627.714. Residential condominium unit owner coverage; loss assessment coverage required.Florida Statute 627.714Florida Statute 627.7142. Homeowner Claims Bill of Rights.
Florida Statute 627.7142. Homeowner Claims Bill of Rights.Florida Statute 627.7142Florida Statute 627.715. Flood insurance.
Florida Statute 627.715. Flood insurance.Florida Statute 627.715Florida Statute 627.7155. Wind and flood coverage in residential and commercial property insurance policies.
Florida Statute 627.7155. Wind and flood coverage in residential and commercial property insurance policies.Florida Statute 627.7155
Hurricane & Storm-Specific Rules
7Hurricane deductibles, windstorm coverage, sinkhole law, and emergency-period regulations.
Florida Statute 626.8696. Application for adjusting firm license.
Florida Statute 626.8696. Application for adjusting firm license.Florida Statute 626.8696Florida Statute 627.701. Liability of insureds; coinsurance; deductibles.
Florida Statute 627.701. Liability of insureds; coinsurance; deductibles.Florida Statute 627.701Florida Statute 627.7011. Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.
Florida Statute 627.7011. Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.Florida Statute 627.7011Florida Statute 627.7013. Sinkhole Policy Endorsements
Florida Statute 627.7013. Sinkhole Policy EndorsementsFlorida Statute 627.7013Florida Statute 627.706. Sinkhole insurance; catastrophic ground cover collapse; definitions.
Florida Statute 627.706. Sinkhole insurance; catastrophic ground cover collapse; definitions.Florida Statute 627.706Florida Statute 627.7061. Coverage inquiries.
Florida Statute 627.7061. Coverage inquiries.Florida Statute 627.7061Florida Statute 627.712. Residential windstorm coverage required; availability of exclusions for windstorm or contents.
Florida Statute 627.712. Residential windstorm coverage required; availability of exclusions for windstorm or contents.Florida Statute 627.712
Public Adjuster Regulation
11Licensing, fees, contracts, solicitation rules, and emergency-period requirements that govern public adjusters.
Florida Statute 626.854. “Public adjuster” defined; prohibitions.
Florida Statute 626.854. “Public adjuster” defined; prohibitions.Florida Statute 626.854Florida Statute 626.856. “Company employee adjuster” defined.
Florida Statute 626.856. “Company employee adjuster” defined.Florida Statute 626.856Florida Statute 626.858 was repealed
Florida Statute 626.858 was repealed. It last appears in the 2011 edition of the Florida Statutes.Florida Statute 626.858Florida Statute 626.861. Insurer’s officers, insurer’s employees, reciprocal insurer’s representatives; adjustments by.
Florida Statute 626.861. Insurer’s officers, insurer’s employees, reciprocal insurer’s representatives; adjustments by.Florida Statute 626.861Florida Statute 626.864. Adjuster license types.
Florida Statute 626.864. Adjuster license types.Florida Statute 626.864Florida Statute 626.865. Public adjuster's qualifications, bond.
Florida Statute 626.865. Public adjuster's qualifications, bond.Florida Statute 626.865Florida Statute 626.8651. Public adjuster apprentice appointment; qualifications.
Florida Statute 626.8651. Public adjuster apprentice appointment; qualifications.Florida Statute 626.8651Florida Statute 626.867 was repealed
Florida Statute 626.867 was repealed. It last appears in the 2011 edition of the Florida Statutes.Florida Statute 626.867Florida Statute 626.869. License, adjusters; continuing education.
Florida Statute 626.869. License, adjusters; continuing education.Florida Statute 626.869Florida Statute 626.8698. Disciplinary guidelines for public adjusters and public adjuster apprentices.
Florida Statute 626.8698. Disciplinary guidelines for public adjusters and public adjuster apprentices.Florida Statute 626.8698Florida Statute 626.870. Application for license.
Florida Statute 626.870. Application for license.Florida Statute 626.870
Settlement, Repair Standards & AOB
2Matching rules, line-of-sight, Assignment of Benefits restrictions, and how repairs must be performed.
Florida Statute 626.9744. Claim settlement practices relating to property insurance.
Florida Statute 626.9744. Claim settlement practices relating to property insurance.Florida Statute 626.9744Florida Statute 627.7152. Assignment agreements.
Florida Statute 627.7152. Assignment agreements.Florida Statute 627.7152
Bad Faith, Appraisal, Mediation & Litigation
9Civil remedy, unfair claims practices, mediation, appraisal procedures, and pre-suit notice rules.
Florida Statute 624.155. Civil remedy.
Florida Statute 624.155. Civil remedy.Florida Statute 624.155Florida Statute 624.1551. Civil remedy actions against property insurers.
Florida Statute 624.1551. Civil remedy actions against property insurers.Florida Statute 624.1551Florida Statute 626.9541. Unfair methods of competition and unfair or deceptive acts or practices defined.
Florida Statute 626.9541. Unfair methods of competition and unfair or deceptive acts or practices defined.Florida Statute 626.9541Florida Statute 626.9611. Rules.
Florida Statute 626.9611. Rules.Florida Statute 626.9611Florida Statute 626.9641. Policyholders, bill of rights.
Florida Statute 626.9641. Policyholders, bill of rights.Florida Statute 626.9641Florida Statute 627.7015. Alternative procedure for resolution of disputed property insurance claims.
Florida Statute 627.7015. Alternative procedure for resolution of disputed property insurance claims.Florida Statute 627.7015Florida Statute 627.70151. Appraisal; conflicts of interest.
Florida Statute 627.70151. Appraisal; conflicts of interest.Florida Statute 627.70151Florida Statute 627.70152. Suits arising under a property insurance policy.
Florida Statute 627.70152. Suits arising under a property insurance policy.Florida Statute 627.70152Florida Statute 627.70154. Mandatory binding arbitration.
Florida Statute 627.70154. Mandatory binding arbitration.Florida Statute 627.70154
Adjacent Statutes (FIGA, Liens, Condo, Limitations)
5Statute of limitations, service of process, FIGA, construction liens, and condo-association duties.
Florida Statute 48.031. Service of process generally; service of witness subpoenas.
Florida Statute 48.031. Service of process generally; service of witness subpoenas.Florida Statute 48.031Florida Statute 718.111. The association.
Florida Statute 718.111. The association.Florida Statute 718.111Florida Statute 95.11. Limitations other than for the recovery of real property.
Florida Statute 95.11. Limitations other than for the recovery of real property.Florida Statute 95.11Florida Statute Chapter 631. Florida Insurance Guaranty Association (FIGA)
Florida Statute Chapter 631. Florida Insurance Guaranty Association (FIGA)Florida Statute Chapter 631Florida Statute Chapter 713. Construction Liens and Contractor Rights
Florida Statute Chapter 713. Construction Liens and Contractor RightsFlorida Statute Chapter 713
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