FL S1652

Creates new statute prohibiting property insurers from denying or limiting hurricane-related claim payments if they fail to inspect the policyholder's premises within 45 days of receiving notice of the claim.

Requires insurers to provide written notice and a proof of loss form to policyholders, then allow at least 60 days to complete and return the form before requiring submission for hurricane-related claims.

Mandates real property owners and lessors to disclose sinkhole reports and certifications in lease and lease-purchase agreements with tenants or tenant-buyers.

Revises the Homeowner Claims Bill of Rights to include a new addendum for claims resulting from hurricanes or disasters declared as catastrophic emergencies, detailing additional policyholder rights including a 90-day non-cancellation period after repairs and a 3-year claim filing deadline.

Effective date: July 1, 2018.