FL H1357

Requires all litigation, arbitration, mediation, and dispute resolution proceedings for residential or commercial property insurance claims involving Florida real property to be conducted in Florida under Florida law

Prohibits surplus lines agents from issuing property insurance contracts that require out-of-state dispute resolution or apply another state's laws

Expands insurer definition to include eligible surplus lines insurers for claims acknowledgment requirements (14-day response deadline) and the 90-day claim payment/denial deadline, with interest accruing on late payments

Requires property insurers to include ordinance, rule, and law coverage in total loss claims, with payments triggered by showing code requirements rather than incurring expenses first

Applies to policies issued or renewed on or after January 1, 2021, with an effective date of July 1, 2020; does not affect claims or proceedings pending as of July 1, 2020