Updated November 2, 2026. General claim information and public-adjuster commentary. Policy dates, loss facts and later legal developments can change the answer. A Florida attorney should advise on legal rights, deadlines and litigation.
Florida’s recent insurance changes occurred across several sessions. This page separates the 2023 developments from the May and December 2022 reforms, and points readers to current guidance instead of outdated grant eligibility or claim-processing deadlines.
Attorney fees and civil remedies
HB 837 made broad changes in March 2023, following SB 2-A’s property-insurance fee changes in December 2022. The practical burden for an owner can include paying legal fees from a recovery otherwise needed for repairs. Older-policy rights, other fee mechanisms and applicability still require attorney review. See our fee guide.
Insurer accountability
SB 7052, effective July 1, 2023, added insurer-accountability measures. These included claims-handling manual requirements and expanded regulatory oversight. Such requirements are meaningful protections, but regulatory oversight is not a promise that an individual claim will be paid promptly or in the amount requested.
Public-adjuster consumer protections
HB 1185 addressed public-adjuster and insurance-consumer provisions. Use the current section 626.854 and DFS rules rather than an older summary when reviewing fees, contracts, disclosures or cancellation issues.
Do not carry forward obsolete roof and grant summaries
The major roof-rule exception came from May 2022’s SB 4-D, not a 2023 repeal of every 25% requirement. Read our updated roof guide. Grant funding, application windows and eligibility can change; check the administering program’s current requirements before making a financial commitment.
For the sequence through newer DFS developments, read Florida property-insurance changes since 2022. This page does not provide a claim-specific deadline calculation or substitute for legal advice.
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