2025 Florida Insurance Legislation: How Recent Changes Affect Your Property Claim

Florida's property insurance landscape continues to evolve with significant legislative changes in 2025. Understanding these updates is crucial for protecting your rights as a policyholder.

Key Legislative Updates Affecting Homeowners

Senate Bill 7052 (Effective July 1, 2025):

• Modifies claim submission deadlines for hurricane damage

• Changes requirements for proof of loss documentation

• Establishes new protocols for emergency repairs

• Revises bad faith standards for insurers

House Bill 4326 (Effective January 1, 2026):

• Creates new inspection requirements before policy issuance

• Adjusts roof coverage provisions for homes over 15 years old

• Implements stricter documentation standards for water damage claims

• Establishes new mediation protocols for disputed claims

Regulatory Changes by the Office of Insurance Regulation:

• Updated consumer protection guidelines for claim handling

• New transparency requirements for premium calculations

• Modified requirements for engineer reports in structural claims

• Enhanced penalties for improper claim denials

Practical Implications for Claim Filing Procedures

These legislative changes directly impact how you'll need to file claims:

1. Documentation requirements:

   • More detailed initial notice of loss forms

   • Increased emphasis on photo and video evidence

   • Stricter proof of loss submittal deadlines

   • Greater burden on homeowners to prove damage causation

2. Communication protocols:

   • New requirements for acknowledging claims (insurers now have 7 days)

   • Mandatory status updates every 14 days

   • Required written explanations for claim delays

   • New electronic communication options

3. Inspection procedures:

   • Insurers now have 10 business days to inspect property (previously 14)

   • Homeowners can request evening and weekend inspections

   • Right to record claim inspections now codified

   • Ability to request reinspection with supervisor presence

Changes to Claim Deadlines and Requirements

Mark these updated timelines on your calendar:

• Initial claim reporting: Now 60 days for non-hurricane claims (previously 90 days)

• Supplemental hurricane claims: Extended to 24 months (previously 18 months)

• Proof of loss submission: Required within 60 days of insurer's request

• Responding to coverage determinations: 45 days to accept or dispute

• Statute of limitations: Remains at 3 years from date of loss

• Mediation request deadline: Within 90 days of claim denial

Innocent Law Firm stays at the forefront of Florida's changing insurance laws. Contact us to understand how these legislative updates affect your specific policy and claims.