FL H1137

Consumer reporting agencies prohibited from charging fees to reissue or provide new unique personal identifiers when removing security freezes

Public adjusters must provide itemized loss estimates within 45 calendar days of contract execution; failure to do so restores insured's right to cancel without penalty; contract becomes void after 50 days without estimate

Property insurers must pay or deny claims within 90 calendar days of receiving notice; late payments accrue interest at the statutory rate from the date the claim was filed

Insurance agencies prohibited from using names containing "Medicare" or "Medicaid" (existing agencies grandfathered until license expiration/revocation)

Surplus lines agents authorized to export flood coverage contracts without seeking coverage from three admitted insurers, extended through July 1, 2025