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FL H0775
Bill
Status
Introduced
12/15/2025
Primary Sponsor
Jervonte Edmonds
Click for details
AI Summary
- Requires property insurers to automatically apply premium reductions for homeowners who maintain a 36-month claim-free period, effective July 1, 2026
- Protects homeowners who file major storm claims (named storms/hurricanes designated by the National Hurricane Center) from losing eligibility for premium reductions; one major storm claim in a 36-month period still qualifies for full reduction
- Mandates separate premium reductions for homeowners who complete approved mitigation upgrades such as roof reinforcement, impact-resistant windows, shutters, and reinforced doors
- Requires the Office of Insurance Regulation to publish annual premium reduction schedules, maintain a database of approved mitigation contractors and products, and publish a statewide summary report
- Requires insurers to submit annual reports by January 1 detailing eligible and receiving policyholders, total dollar value of reductions, and claim counts broken down by county and coverage type
Legislative Description
Homeowner's Insurance Premium Reductions
Last Action
1st Reading (Original Filed Version)
1/13/2026
Committee Referrals
Insurance And Banking Subcommittee1/5/2026
Full Bill Text
No bill text available