The reforms
Three major legislative packages, SB 2D (May 2022), SB 2A (December 2022), and HB 837 (March 2023), rewrote large sections of Florida property insurance law.
Shortened claim deadlines (627.70132)
- New/reopened claims: 1 year (down from 5 years for hurricane, 3 years otherwise)
- Supplemental claims: 18 months
See Fla. Stat. 627.70132 for detail.
AOB restrictions (627.7152)
- Post-loss assignment restricted for most residential/commercial property policies issued on or after January 1, 2023.
See Fla. Stat. 627.7152 for detail.
Attorney fees
- One-way attorney fee provisions under Fla. Stat. 626.9373 and 627.428 were substantially modified.
- Presuit notice requirements were added.
- Several litigation-incentive structures were restricted.
Carrier market stabilization
- Citizens Property Insurance take-out requirements were adjusted.
- Reinsurance (RAP/FHCF) rules were modified to stabilize carrier capacity.
What this means for homeowners
- Act faster: your deadlines are significantly shorter than pre-reform.
- Don't assume old rules apply: verify current law before making claim decisions.
- Retain representation earlier: the attorney-fee changes affect when and how to engage counsel.