The bill amends Florida Statutes concerning insurance, particularly focusing on claims for extracontractual damages against property insurers. It establishes that such claims cannot be initiated until a court has confirmed that the insurer breached the contract and outlines the necessary notice requirements for filing these claims. Additionally, it specifies that damages must be consistent with the policy terms and excludes attorney fees and certain costs. The bill introduces a tolling period for statutes of limitations and notice requirements when insurers seek further information from policyholders.

Further changes include new licensing requirements for general lines agents, guidelines for adjusters communicating via text message, and the creation of claims-handling manuals for residential property insurers. It revises conditions for policy cancellations and allows inquiries about a person's HIV status for underwriting. Homeowners' insurance policies that do not cover flood damage must now include a clear advisory for policyholders to consider separate flood insurance. Insurers are required to start investigations within 7 days of receiving proof-of-loss statements and conduct physical inspections within 30 days, while maintaining comprehensive claim records. The bill also modifies the language regarding damage estimates by removing the term "the covered" from the estimate statement.

Statutes affected:
S 230 Filed: 624.1551, 626.732, 626.878, 627.4108, 627.4133, 627.7011