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.
This page originally reported on the end of the 2020 legislative session. Those historical lobbying updates are no longer instructions for today’s claims.
How to check whether a change applies
- Identify the session and bill number. A bill number can be reused in a different year.
- Check the final status. A filed proposal, committee amendment or press summary is not the same as an enacted law.
- Read the effective-date and applicability provisions. A change may depend on policy issuance, renewal, loss or another event.
- Check the current statute and relevant decisions. Later amendments and court rulings may affect how an older rule applies.
Start with the Florida Senate’s bill records and DFS’s property-insurance change summaries. For a claim-specific legal conclusion, consult a Florida attorney.
Our insurance reform guide since 2022 links the principal changes affecting property owners, including attorney fees, AOBs, roof rules and claim deadlines.
Concerned about a claim payment?
Experienced Public Adjusters helps Florida property owners document damage and present supported claims, with a focus on luxury homes, complex residential losses, condominium and HOA master policies, and commercial property.
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David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation is subject to a written agreement; no settlement outcome is guaranteed.