summary
Introduced
01/14/2025
01/14/2025
In Committee
01/29/2025
01/29/2025
Crossed Over
Passed
Dead
06/16/2025
06/16/2025
Introduced Session
2025 Regular Session
Bill Summary
An act relating to insurance; amending s. 624.1551, F.S.; clarifying the prohibition related to claims for extracontractual damages; revising construction relating to an adverse adjudication required for certain claims; specifying requirements for a certain notice; requiring that certain damages be available under and pursuant to a specified policy; prohibiting such damages from including certain fees, costs, and damages; prohibiting a certain notice from including certain provisions, demands, or requirements; requiring that applicable statutes of limitations and notice requirements be tolled under certain circumstances; requiring the property insurer to send a specified request within a specified timeframe; requiring that the notice and tolling period be continued under certain circumstances; amending s. 626.732, F.S.; revising the requirements for licensing or qualifying general lines agents; amending s. 626.878, F.S.; specifying when adjusters must include their appointment type if communicating by text message; prohibiting public adjusters from engaging in certain adversarial conduct; amending s. 627.4108, F.S.; specifying requirements for the claims-handling manual of authorized residential property insurers with active residential policies; amending s. 627.4133, F.S.; revising the circumstances under which an insurer or agent may cancel certain policies; amending s. 627.429, F.S.; deleting the definition of the term “ARC”; authorizing insurers to make certain inquiries relating to a person’s HIV infection or related diagnoses and medical care that person has received or is currently receiving; amending s. 627.7011, F.S.; revising the required statement by insurers issuing an insurance policy that does not provide flood insurance; amending s. 627.70131, F.S.; specifying when adjusters must include their name and license number if communicating by text message; revising the required statement by insurers providing a preliminary or partial estimate; revising the required statement by insurers providing payment on a claim which is not the full and final payment for the claim; providing an effective date.
AI Summary
This bill introduces several amendments to Florida's insurance laws, focusing on claims handling, adjuster licensing, and policy provisions. The bill clarifies the process for extracontractual damages claims against property insurers by requiring a court-determined breach of contract before such claims can proceed, and specifying detailed requirements for notice and damage claims. It reduces the education requirements for general lines agent licensing from 200 to 60 hours, allows adjusters to omit their appointment type in subsequent text messages after an initial identification, and prohibits public adjusters from engaging in certain adversarial conduct like electronically recording insurance personnel without consent. The bill also updates requirements for insurers' claims-handling manuals, modifies conditions under which policies can be cancelled or non-renewed after property damage, removes references to "AIDS-related complex" (ARC), and allows insurers more latitude in inquiring about HIV-related medical information. Additionally, the bill revises language around flood insurance warnings, claim estimate communications, and adjuster identification in communications. These changes aim to clarify insurance practices, protect both insurers and policyholders, and streamline claims processes in Florida.
Sponsors (1)
Last Action
Died in Banking and Insurance (on 06/16/2025)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.flsenate.gov/Session/Bill/2025/230 |
| BillText | https://www.flsenate.gov/Session/Bill/2025/230/BillText/Filed/HTML |
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