FL H1087

Allows the consumer representative on Citizens Property Insurance Corporation's board of governors to practice in a profession if required or permitted by law or ordinance, and clarifies this appointment is within the scope of certain statutory exemptions.

Requires licensed agents of the corporation to continuously hold an appointment with an insurer authorized to write and actively writing or renewing personal lines residential, commercial residential, or commercial nonresidential property coverage within Florida.

Authorizes certain entities (licensed agents, authorized insurers, reinsurers, reinsurance brokers, and modeling companies) to use corporation underwriting and claims file information for risk analysis and underwriting purposes, but prohibits direct solicitation of policyholders using this information.

Requires the corporation to revise take-out programs effective January 1, 2016 to inform policyholders of insurer interest in their policies, provide uniform formats for estimated premium and coverage comparisons, allow policyholders to limit solicitation frequency to once per 6-month period, and treat certain previously taken-out policies as renewals under specific conditions.

Takes effect July 1, 2015.