House Bill 13 (HB 13) proposes significant amendments to Florida's property insurance laws, particularly focusing on the Citizens Property Insurance Corporation and windstorm coverage. The bill mandates that the Corporation must provide windstorm coverage for all residential structures, including mobile homes and condominium associations, while establishing specific eligibility criteria. Notably, it removes existing provisions related to windstorm risk apportionment plan agreements and obsolete language, streamlining the process for homeowners to obtain coverage through authorized agents. The bill also introduces new operational requirements, such as the necessity for insurers to separate hurricane coverage rates from other property insurance rates and to provide uniform mitigation verification forms for policyholders seeking discounts.

Additionally, HB 13 addresses the financial stability of the property insurance market by clarifying assessment processes and allowing local governments to issue bonds for funding assistance programs. It emphasizes the importance of maintaining adequate coverage for medical professionals and introduces new reporting requirements for insurers regarding residential property insurance policies. The bill aims to enhance the availability and transparency of property insurance while ensuring that policyholders are informed about their options and the implications of their coverage choices. Overall, HB 13 seeks to improve the operational efficiency of the Citizens Property Insurance Corporation and protect the rights of policyholders in Florida.

Statutes affected:
H 13 Filed: 624.805, 627.062, 627.4025, 627.7018, 627.713, 631.54, 718.111, 719.104, 720.303, 395.1061, 464.0123, 624.424, 625.317, 627.0655, 627.3512, 627.3515, 627.3517, 627.4133, 627.945, 628.6017