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FL H0341
Bill
Status
Introduced
11/5/2025
Primary Sponsor
Leonard Spencer
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AI Summary
- Mediation becomes mandatory (rather than optional) for property insurance claim disputes and must occur before filing litigation or starting the appraisal process
- Policyholders must provide all claim-supporting information and documents to the insurer within 10 days after mediation is invoked
- All named insureds or their representatives must attend mediation; parties may mutually agree to conduct mediation by teleconference or other electronic means
- Unrepresented policyholders (no attorney or public adjuster) have 3 business days to rescind a written settlement, unless they have already cashed or deposited any resulting payment
- $1 million in recurring funds appropriated from the Insurance Regulatory Trust Fund to the Department of Financial Services for program administration, effective July 1, 2026, with main provisions taking effect January 1, 2027
Legislative Description
Resolution of Disputed Property Insurance Claims
Last Action
1st Reading (Original Filed Version)
1/13/2026
Committee Referrals
Insurance And Banking Subcommittee11/12/2025
Full Bill Text
No bill text available