The bill amends several sections of Florida Statutes related to insurance, introducing new definitions and procedures aimed at improving the claims process for policyholders. Notably, it defines "sufficient evidence" as written or photographic documentation that supports a claim, and establishes a timeline for insurers to object to the sufficiency of evidence submitted by claimants. Additionally, the bill revises licensing requirements for general lines agents, specifies communication protocols for adjusters when interacting with policyholders via text message, and limits the claims-handling manual requirements to authorized residential property insurers with active policies.

Further amendments include changes to the cancellation and nonrenewal processes for residential property insurance policies, particularly in the context of hurricane damage, and the requirement for insurers to provide clear statements regarding flood insurance coverage in homeowners' policies. The bill also mandates that proof-of-loss statements be written and outlines the necessary communication from adjusters to policyholders, including the inclusion of their names and license numbers in initial communications. Overall, the bill aims to enhance transparency and efficiency in the insurance claims process while protecting the rights of policyholders.

Statutes affected:
H 1047 Filed: 626.732, 626.878, 627.4108, 627.4133, 627.7011
H 1047 c1: 624.155, 626.732, 626.878, 627.4108, 627.4133