FL S0708

Prohibits denial of residential property insurance claims based on credit information if the policy has been in effect for more than 90 days.

Prohibits cancellation or termination of residential property insurance policies based on credit information after 90 days in effect.

Establishes grounds for challenging an umpire's impartiality in property appraisals, including familial relationships within the third degree, prior representation of a party, conflicts of interest, and employment relationships within the preceding 5 years.

Creates a Homeowner Claims Bill of Rights that insurers must provide within 14 days of receiving initial claim communication, summarizing policyholder rights including acknowledgment timelines, coverage determination deadlines, mediation access, and contact information for consumer services; the bill of rights does not create a private cause of action.

Specifies grounds for denying, suspending, or revoking certification of neutral evaluators in sinkhole claims, including lack of qualifications, fraud in obtaining certification, lack of fitness or trustworthiness, and violations of insurance code provisions.