Florida bill sets new rules for property insurance claim disputes

Property Insurance Claims

Introduced· 2025-11-18

Who's it for

Who's it for: Everyday People

What it means for you

6/10Mixed

Mixed: some good, some bad ·

Cost shift

Plain‑English summary, cross‑checked against the official bill text.

The bill would create a state‑run process for homeowners to challenge insurance claim denials, and force insurers to respond quickly.

Our take

What we think, in plain words.

If passed, everyday Floridians could get faster answers when their home insurance claim is denied, but they may have to pay some hearing costs themselves.

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The facts

What the bill actually says, no spin.

Bill requires insurers to tell policyholders about the new dispute process.
State Department of Financial Services must create a consumer guide.
Either the homeowner or insurer can ask the Division of Administrative Hearings to decide a claim.
The hearing judge must dismiss petitions missing required info, but can still rule on the claim.
Insurers must pay the claim or answer the petition within a set time.
The judge must decide the total coverage amount and how it is paid within a set time.
Parties must pay costs for certain conference meetings.