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FL H1555
Bill
Status
Failed
6/16/2025
Primary Sponsor
Hillary Cassel
Click for details
AI Summary
- Every insurer decision to deny a claim must be reviewed, approved, and signed off by a "qualified human professional" (defined as a supervisor, claims manager, or licensed claims adjuster), and artificial intelligence, machine learning algorithms, or automated systems are prohibited from serving as the basis for claim denials
- Insurers must maintain detailed records of the human review process for all denied claims, including the reviewer's name and title, date and time of review, and documentation of the denial basis, and must identify the reviewing professional in each denial communication to the claimant
- Surplus lines insurers issuing property or casualty coverage in Florida are brought under the state's valued policy law (s. 627.702), requiring them to pay the full policy amount for total losses of insured buildings, structures, mobile homes, or manufactured buildings caused by a covered peril, effective July 1, 2025
- Insurers must submit periodic compliance reports to the Office of Insurance Regulation detailing steps taken to comply with the human review requirements, and the Office is authorized to audit claim denials to verify compliance
- The act takes effect July 1, 2025, and amendments to the valued policy law apply only prospectively to claims filed after the effective date
Legislative Description
Insurers' Liabilities and Responsibilities
Last Action
Died in Insurance & Banking Subcommittee
6/16/2025
Committee Referrals
Insurance And Banking Subcommittee3/5/2025
Full Bill Text
No bill text available