summary
Introduced
02/25/2025
02/25/2025
In Committee
04/02/2025
04/02/2025
Crossed Over
Passed
Dead
Introduced Session
2025 Regular Session
Bill Summary
An act relating to insurance; amending s. 624.155, F.S.; defining the term "sufficient evidence"; providing procedures and timelines for objecting, and responding to the objections, to the sufficiency of evidence submitted by claimants to insurers; amending s. 626.732, F.S.; revising the requirements for licensing and qualifying for general lines agents; amending s. 626.878, F.S.; specifying when adjusters must include their appointment types if communicating with policyholders by text message; prohibiting public adjusters from engaging in certain adversarial conduct; amending s. 627.4108, F.S.; limiting the requirements for the claims-handling manuals to 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 or nonrenew certain residential property insurance policies; amending s. 627.7011, F.S.; revising the required statement by insurers issuing a homeowner's insurance policy that does not provide flood insurance coverage; amending s. 627.70131, F.S.; requiring that proof-of-loss statements that are received by property insurers be written; specifying when adjusters must include their names and license numbers if communicating with policyholders by text message; revising the required statement by property insurers providing a preliminary or partial estimate of damage regarding a claim; revising the required statement by property insurers providing a 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 key changes to Florida's insurance laws, focusing on claim handling, licensing, and policyholder protections. The legislation defines "sufficient evidence" for insurance claims, requiring written or photographic proof like accident reports, medical bills, and repair receipts, and establishes a 10-business-day process for insurers to object to or request clarification of submitted evidence. It modifies licensing requirements for general lines agents by reducing required coursework from 200 to 60 hours and specifies when adjusters must include their appointment types in text messages. The bill also prohibits public adjusters from engaging in adversarial conduct with insurance company personnel, limits claims-handling manual requirements to insurers with active residential policies, and revises rules about policy cancellation and nonrenewal, particularly for properties damaged by hurricanes or other covered perils. Additionally, the bill mandates specific disclosures for homeowners' policies without flood insurance and requires insurers to provide clearer, more standardized communications about claim estimates and payments. These changes aim to streamline insurance processes, provide more transparency for policyholders, and clarify expectations for both insurers and claimants.
Committee Categories
Business and Industry
Sponsors (1)
Other Sponsors (1)
Insurance & Banking Subcommittee (H)
Last Action
Indefinitely postponed and withdrawn from consideration (on 05/03/2025)
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/2025/1047 |
| Analysis - Insurance & Banking Subcommittee (Post-Meeting) | https://www.flsenate.gov/Session/Bill/2025/1047/Analyses/h1047.IBS.PDF |
| BillText | https://www.flsenate.gov/Session/Bill/2025/1047/BillText/c1/PDF |
| BillText | https://www.flsenate.gov/Session/Bill/2025/1047/BillText/Filed/PDF |
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