FL H0947

Creates a new defense for former phosphate mine sites where the condition causing the claim is a natural geological substance, provided a notice has been recorded in county records and the Department of Health has conducted a gamma radiation survey; landowners may voluntarily record such notices identifying their property as a former phosphate mine

Requires the Department of Health to conduct gamma radiation surveys of former phosphate land parcels within 120 days of a landowner's petition, and requires plaintiffs in phosphate mining-related civil actions to include a certified radiation survey with their complaint

Establishes prevailing party attorney fee provisions for civil actions between insurers (including surplus lines insurers) and insureds or beneficiaries, where the insured prevails if the judgment exceeds the insurer's highest good faith settlement offer and the insurer prevails if it does not; a settlement offer not kept open for at least 5 business days is deemed not in good faith

Revises rules on admissible evidence for past and future medical expenses in personal injury and wrongful death actions, removing the 120% Medicare/170% Medicaid rate benchmark for uninsured claimants and replacing it with evidence of reasonable and customary rates; adds categories of admissible evidence including reasonable amounts billed for medically necessary treatment

Insurance-related attorney fee provisions apply to policies issued on or after July 1, 2025; medical expense evidence changes apply to causes of action accruing after March 24, 2023, without a final judgment by July 1, 2025; the act takes effect July 1, 2025