Bill > H0341

This bill mandates a comprehensive revision of the mediation process for property insurance claim disputes in Florida, transforming it from an optional to a mandatory procedure that must be completed before litigation can commence. The bill requires all named insureds or their representatives to attend mediation, which can be conducted in-person or electronically, and establishes clear guidelines for the process, including cost allocation and participation requirements. Specifically, the policyholder must provide supporting documents within 10 days of invoking mediation, and the mediation will be considered non-binding, with policyholders who are not represented by an attorney or public adjuster having a 3-business-day window to rescind any settlement. The bill defines specific circumstances where mediation may not apply, such as claims involving suspected fraud or those with controversy amounts under $500, and gives the Department of Financial Services authority to adopt rules and emergency regulations to implement the program. Additionally, the bill appropriates $1 million in recurring funds to support the implementation of these changes, with the provisions set to take effect on January 1, 2027, ensuring insurers and policyholders have adequate time to prepare for the new mandatory mediation process.

Business and Industry

https://www.flsenate.gov/Session/Bill/2026/341