FL S0832

Requires residential property insurers to include a rate transparency report with rate filings beginning October 1, 2026, showing percentage breakdowns of rating factors including reinsurance costs, claims costs, defense costs, fees/commissions, and profit

Mandates insurers provide the rate transparency report to consumers along with coverage offers and renewals, including disclosure of affiliated entities used, adverse findings from the past 3 years, and any change in total insured value

Directs the Office of Insurance Regulation to establish a comprehensive consumer resource center website with market information, insurer listings, claims process guidance, mitigation credit details, and educational materials about coverage types

Prohibits insurers from including land value when establishing coverage amounts or adjusting claims for dwellings or structures under homeowners' policies

Specifies that statewide average rate changes and county rating examples submitted to the office are not trade secrets and are not exempt from public records disclosure