FL S0846

Defines "claim-related documents" to include repair estimates, appraisals, scopes of loss, and valuation calculations that insureds can request within 15 calendar days of requesting them.

Requires insurers to disclose all applicable policy benefits, coverage, time limits, and to inform claimants of their right to obtain claim-related documents upon request.

Requires insurers to provide written notice of statutes of limitation or other time requirements at least 60 days before expiration (30 days for uninsured motorist claims), unless the claimant is represented by counsel.

Creates new statute requiring insurers to pay or deny claims within 90 days of notice, with interest accruing on late payments at the rate in s. 55.03, with exceptions for multistate commercial property policies.

Extends the period of coverage for additional living expenses to 24 months when a covered loss results from a declared state of emergency, without increasing the policy's living expense limit.