The bill establishes mandatory human reviews for insurance claim denials by creating a new section, 627.4263, in the Florida Statutes. It defines a "qualified human professional" as individuals such as supervisors, claims managers, or licensed claims adjusters who have the authority to review claims. Insurers are required to have their decisions to deny claims reviewed, approved, and signed off by these qualified professionals, explicitly prohibiting the use of artificial intelligence, machine learning algorithms, or automated systems as the basis for such denials.

Additionally, insurers must maintain detailed records of the human review process for all denied claims, including the identity of the reviewing professional and the rationale for the denial. Denial communications to claimants must clearly identify the qualified human professional involved and affirm that automated systems were not used in the decision-making process. The bill also mandates periodic compliance reports to the Office of Insurance Regulation, which is authorized to audit claim denials to ensure adherence to these requirements. The act is set to take effect on July 1, 2025.