Florida 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. Wind and flood coverage in residential and commercial property insurance policies.
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 627.7155 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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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?
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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 627.7155
For residential and commercial property insurance policies issued or renewed on or after October 1, 2023:
(1) If a residential or commercial property insurer requires that an insured or applicant have coverage for the peril of flood when the insurer issues a policy covering the peril of wind, unless the insurer verifies that the insured or applicant has coverage for the peril of flood at the time the policy was issued or renewed, the insurer may not deny a claim for wind solely because the insured does not have coverage for the peril of flood, unless flood coverage that was verified at the time of application or renewal, or equivalent coverage, is not in force at the time of the loss.
(2) In addition to coverage for the peril of flood directly secured by the insured or applicant, a master flood policy that is issued to someone other than the insured or applicant and that includes the insured or applicant as an intended or third-party beneficiary under the master flood policy is acceptable proof of coverage for the peril of flood for the purposes of this section.
Reproduced from the Florida Legislature's published text, retrieved August 7, 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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