FL H1185

Allows mortgage loan originators to work from remote locations under specified conditions, including written supervision policies, secure system access via VPN, no physical records at remote sites, and no in-person customer interactions at unlicensed residences.

Establishes requirements for disaster-related crowd-funding campaigns, requiring platforms to collect and retain organizer information for one year and requiring organizers to attest that all campaign information is accurate and that donations will be used solely as described.

Strengthens regulation of public adjusters by capping commissions at 10% for emergency-declared claims (within one year) and 20% for non-emergency claims, requiring contracts only with named insureds, allowing insureds to cancel contracts within 10 days (or 30 days for emergency-related claims), and requiring written loss estimates within 60 days of contract execution.

Revises annuity suitability standards (effective January 1, 2024) to require agents to act in the best interest of consumers when recommending annuities, mandates a one-time 4-hour training course for agents selling annuities, and requires insurers to maintain supervision systems to ensure compliance with disclosure and consumer profile information requirements.

Reduces the insurance policy cancellation protection window from 90 days to 60 days, adds new disclosure requirements for distributed energy generation system (solar) sale or lease agreements including roof age considerations and insurance premium impacts, and prohibits money services businesses from cashing corporate checks exceeding 200% of the payee's workers' compensation policy payroll amount.