Other Consumer Resources


Merlin Law Group

American Association of Public Insurance Adjusters (AAPIA)

Fair Insurance Rates in Monroe (FIRM)

Florida Association of Public Insurance Adjustors (FAPIA)

Florida Consumer Action Network

Florida Justice Association

Floridians in Action

Insureds Public Action Coalition (IPAC)

Florida House of Representatives

Florida Senate

 

 

Key Bills to Watch

HB 129 - Insurance

 

General Bill   by Raburn

Insurance: Requires Citizens Property Insurance Corporation to submit biannual report on number of residential sinkhole policies issued & declined; provides legislative findings; establishing Citizens Sinkhole Stabilization Repair Program for sinkhole claims; provides program components; specifies corporation's liability with respect to sinkhole claims; requires corporation to offer specified deductible amounts for sinkhole loss coverage.

Effective Date: July 1, 2014

Last Event: Now in Regulatory Affairs Committee on Wednesday, February 12, 2014 11:48 AM

 

HB 143 - Florida Insurance Guaranty Association

 

General Bill   by Raburn

Florida Insurance Guaranty Association: Revises duties of Florida Insurance Guaranty Association; authorizes association to collect regular & emergency assessments directly from policyholders; clarifies that assessments are not considered premium for premium tax purposes.

Effective Date: July 1, 2014

Last Event: Added to Insurance & Banking Subcommittee agenda on Wednesday, January 08, 2014 4:10 PM

 

HB 187 - Civil Remedies Against Insurers

 

General Bill   by Passidomo

Civil Remedies Against Insurers: Requires insureds, claimants, or persons acting on their behalf to provide insurer with written notice of loss as condition precedent to statutory or common-law action for third-party bad-faith failure to settle insurance claim; provides that insurer is not liable for claim of bad faith failure to settle claim if certain conditions are met.

Effective Date: July 1, 2014

Last Event: Now in Civil Justice Subcommittee on Friday, November 22, 2013 11:50 AM

 

CS/CS/HB 255 - Discriminatory Insurance Practices

 

General Bill   by Civil Justice Subcommittee and Insurance & Banking Subcommittee and Gaetz (CO-SPONSORS) Caldwell

Discriminatory Insurance Practices: Provides that unfair discrimination on basis of firearm or ammunition ownership in provision of personal lines property or personal lines automobile insurance is discriminatory insurance practice; clarifies that insurers are not prevented from charging supplemental premiums or sharing information between insurer & its agent if separate rider has been requested.

Effective Date: July 1, 2014

Last Event: Now in Regulatory Affairs Committee on Tuesday, February 25, 2014 1:59 PM

 

CS/SB 346 - Florida Insurance Guaranty Association

 

General Bill   by Banking and Insurance and Lee

Florida Insurance Guaranty Association: Revising provisions relating to the levying of assessments on insurers; specifying the conditions under which such assessments are paid; requiring charges or recoupments to be displayed separately on premium bills to policyholders and prohibiting their inclusion in rates, etc.

Effective Date: 07/01/2014

Last Event: 02/20/14 S Pending reference review under Rule 4.7(2) - (Committee Substitute) on Thursday, February 20, 2014 2:56 PM

 

HB 375 - Insurance

 

General Bill   by Santiago

Insurance: Provides that absence of countersignature does not affect validity of policy or contract.

Effective Date: July 1, 2014

Last Event: Now in Insurance & Banking Subcommittee on Wednesday, January 08, 2014 11:19 AM

 

HB 391 - Florida Hurricane Catastrophe Fund

 

General Bill   by Hager

Florida Hurricane Catastrophe Fund: Provides & phases in reduction in fund's coverage limits for reimbursement contracts; authorizes an insurer to recoup certain reinsurance payments paid to cover potential gap in fund's claims-paying capacity; deletes provision prohibiting recoupment of certain other reinsurance costs.

Effective Date: July 1, 2014

Last Event: Now in Insurance & Banking Subcommittee on Wednesday, January 08, 2014 11:19 AM

 

CS/SB 416 - Sinkhole Coverage

 

General Bill   by Banking and Insurance and Simpson

Sinkhole Coverage: Requiring Citizens Property Insurance Corporation to submit a biannual report on the number of residential sinkhole policies requested, issued, and declined; prohibiting the corporation from requiring a policyholder to advance payment for stabilization repairs provided under the program; providing requirements and procedures for selecting stabilization repair contractors to conduct stabilization repairs; specifying additional parameters with respect to the program, including provision for resolving disputes between the corporation and a policyholder, etc.

Effective Date: 07/01/2014

Last Event: 02/11/14 S Now in Appropriations Subcommittee on General Government on Tuesday, February 11, 2014 8:46 AM

 

CS/SB 424 - Discriminatory Insurance Practices

 

General Bill   by Criminal Justice and Lee (CO-SPONSORS) Latvala

Discriminatory Insurance Practices: Providing that unfair discrimination on the basis of gun ownership in the provision of personal lines property or personal lines automobile insurance is a discriminatory insurance practice; clarifying that insurers are not prevented from charging supplemental premiums or sharing information between an insurer and its agent if a separate rider has been requested, etc.

Effective Date: 07/01/2014

Last Event: 02/05/14 S Now in Appropriations on Wednesday, February 05, 2014 1:59 PM

 

HB 443 - Florida Catastrophic Storm Risk Management Center

 

General Bill   by Lee

Florida Catastrophic Storm Risk Management Center: Specifies duties of Florida Catastrophic Storm Risk Management Center; requires annual discussion forums; creates & specifies membership of discussion forum panel; specifies powers & duties of panel; provides for per diem & travel expenses; provides for reports; limits liability.

Effective Date: July 1, 2014

Last Event: Now in Insurance & Banking Subcommittee on Wednesday, January 08, 2014 11:19 AM

 

HB 471 - Insurance

 

General Bill   by Boyd

Insurance: Defines "authorized inspection agency"; revises & provides provisions relating to the state boiler inspection program; revises original appointment & renewal fees related to certain insurance representatives; revises specified time period applicable to certified examination that must be filed by foreign or alien insurer applying for certificate of authority; prohibits an insurance agency from conducting insurance business at location without designated agent in charge; provides agency license requirements; revises qualifications for approval as mediator by DFS; provides grounds for department to deny an application, or suspend or revoke approval of mediator or certification of neutral evaluator; authorizes department to adopt rules; revises date by which title insurance agencies & certain insurers must annually submit specified information to OIR; requirements relating to contractual liability policies that insure warranty associations.

Effective Date: July 1, 2014

Last Event: Withdrawn prior to introduction on Wednesday, January 08, 2014 3:12 PM

 

SB 482 - Florida Hurricane Catastrophe Fund

 

General Bill   by Hays

Florida Hurricane Catastrophe Fund: Providing and phasing in a reduction in the fund’s coverage limits for reimbursement contracts; authorizing an insurer to recoup certain reinsurance payments paid to cover a potential gap in the fund’s claims-paying capacity; deleting a provision prohibiting the recoupment of certain other reinsurance costs, etc.

Effective Date: 07/01/2014

Last Event: 02/05/14 S Now in Banking and Insurance on Wednesday, February 05, 2014 8:41 AM

 

CS/CS/SB 542 - Flood Insurance

 

General Bill   by Appropriations and Banking and Insurance and Brandes (CO-SPONSORS) Simpson; Benacquisto; Galvano; Bradley; Latvala

Flood Insurance: Adding projected flood losses to the factors that must be considered by the Office of Insurance Regulation in reviewing certain rate filings; authorizing insurers to offer flood insurance on residential property in this state; prohibiting Citizens Property Insurance Corporation from writing flood insurance; prohibiting the Florida Hurricane Catastrophe Fund from reimbursing losses caused by flooding, etc.

Effective Date: Upon becoming a law

Last Event: 02/24/14 S Pending reference review -under Rule 4.7(2) - (Committee Substitute) on Monday, February 24, 2014 2:34 PM

 

CS/HB 565 - Insurance

 

General Bill   by Insurance & Banking Subcommittee and Santiago

Insurance: Defines "authorized inspection agency"; revises & provides provisions relating to the state boiler inspection program; revises original appointment & renewal fees related to certain insurance representatives; revises specified time period applicable to certified examination that must be filed by foreign or alien insurer applying for certificate of authority; prohibits an insurance agency from conducting insurance business at location without designated agent in charge; provides agency license requirements; revises qualifications for approval as mediator by DFS; provides grounds for department to deny an application, or suspend or revoke approval of mediator or certification of neutral evaluator; authorizes department to adopt rules; revises date by which title insurance agencies & certain insurers must annually submit specified information to OIR; requirements relating to contractual liability policies that insure warranty associations; provides effective dates.

Effective Date: July 1, 2014

Last Event: Now in Government Operations Appropriations Subcommittee on Tuesday, February 18, 2014 5:18 PM

 

HB 581 - Flood Insurance

 

General Bill   by Ahern and Fitzenhagen (CO-SPONSORS) Beshears; Caldwell; Combee; Gibbons; Hager; Hood; Murphy; Perry; Peters; Pilon; Raschein; Rehwinkel Vasilinda; Rodrigues, R.; Spano; Van Zant; Zimmermann

Flood Insurance: Adds projected flood losses to factors that must be considered by OIR in reviewing certain rate filings; increases membership of Florida Commission on Hurricane Loss Projection Methodology; requires commission to adopt standards & guidelines relating to flood loss by certain date; authorizes insurers to offer flood insurance in this state; establishes minimum coverage requirements for such policies; provides coverage limitations that an insurer may include in such policies; requires that certain limitations be noted on policy declarations or face page; provides insurer with rate options; requires insurer to provide notice that flood insurance is available from National Flood Insurance Program; allows insurer to export contract or endorsement of certain amount to surplus lines insurer without meeting certain requirements; provides prior notice requirements for cancellation or nonrenewal of policy; requires insurer to notify office before writing flood insurance & to file plan of operation with office; provides preemption for any conflicts with other provisions of Florida Insurance Code; requires Commissioner of OIR to provide certification that condition qualifies for flood insurance or disaster assistance.

Effective Date: upon becoming a law

Last Event: Now in Insurance & Banking Subcommittee on Monday, January 27, 2014 5:35 PM

 

HM 583 - National Flood Insurance Program

 

Memorial   by Raschein and Diaz, M. (CO-SPONSORS) Ahern; Artiles; Baxley; Combee; Danish; Diaz, J.; Dudley; Eagle; Fitzenhagen; Hood; Moskowitz; Murphy; Peters; Raburn; Rodrigues, R.; Santiago

National Flood Insurance Program: Urges Congress to delay implementation of Biggert-Waters Flood Insurance Reform Act of 2012 until specified conditions are met & to eliminate any requirement to immediately increase to full-risk rate a property owner's insurance procured through National Flood Insurance Program.

Effective Date: Not Specified

Last Event: Now in Local & Federal Affairs Committee on Monday, January 27, 2014 5:35 PM

 

HM 603 - National Flood Insurance Program

 

Memorial   by Moraitis

National Flood Insurance Program: Urges Congress to enact legislation to provide reasonable rate phase-in for all primary residences procuring flood insurance through National Flood Insurance Program.

Effective Date: Not Specified

Last Event: Now in Local & Federal Affairs Committee on Monday, January 27, 2014 5:35 PM

 

SB 610 - Florida Hurricane Catastrophe Fund

 

General Bill   by Lee

Florida Hurricane Catastrophe Fund: Establishing an aggregate limit on insurer retention levels; revising coverage levels available under reimbursement contracts; revising requirements for reimbursement contracts; deleting provisions relating to temporary emergency options for additional coverage; deleting a provision prohibiting an insurer from recouping reinsurance costs under certain conditions, etc.

Effective Date: Upon becoming a law

Last Event: 01/16/14 S Referred to Banking and Insurance; Community Affairs; Appropriations on Thursday, January 16, 2014 2:44 PM

 

CS/HB 633 - Division of Insurance Agents & Agency Services

 

General Bill   by Insurance & Banking Subcommittee and Ingram

Division of Insurance Agents & Agency Services: Revises name of Division of Insurance Agents & Agency Services; revises original appointment & renewal fees related to certain insurance representatives; provides requirements relating to agents in charge; prohibits an insurance agency from conducting insurance business at certain locations; revises licensure requirements & penalties; revises requirements relating to applications for insurance agency licenses; revises scope of examination for limited agent; requires department to suspend certain licenses & appointments; revises prohibition against unlicensed transaction of life insurance; revises requirements for licensure of nonresident surplus lines agents; revises qualifications for approval as mediator; authorizes DFS to adopt rules; prohibits persons seeking to be licensed by division from denying or failing to acknowledge certain expunged or sealed records.

Effective Date: July 1, 2014

Last Event: CS Filed on Tuesday, February 25, 2014 9:29 AM

 

HB 657 - Tax on Insurance Premiums

 

General Bill   by Davis

Tax on Insurance Premiums: Revises provisions relating to premium taxes paid by insurers; provides that wet marine & transportation insurance, & portions of insurance premiums retained by title insurance agent or agency, are not subject to insurance premium tax.

Effective Date: July 1, 2014

Last Event: Now in Finance & Tax Subcommittee on Monday, February 03, 2014 5:57 PM

 

CS/SB 708 - Insurance Claims

 

General Bill   by Banking and Insurance and Bean

Insurance Claims: Adding mediators and neutral evaluators to the list of individuals or entities that the Department of Financial Services or the Office of Insurance Regulation may investigate for alleged improper conduct; providing that a claim for residential property insurance cannot be denied based on certain credit information; establishing a Claims Bill of Rights for residential property insurance policyholders; revising qualifications for mediators of personal injury claims, etc.

Effective Date: 07/01/2014

Last Event: 02/13/14 S Now in Appropriations on Thursday, February 13, 2014 2:26 PM

 

HB 743 - Property Insurance

 

General Bill   by Hood

Property Insurance: Prohibits OIR from disapproving rate as excessive due solely to admitted carrier purchasing private reinsurance; deletes provisions relating to residential property insurance rate filings; revises provisions relating to increases in total annual base rates; provides reporting requirements for Citizens Property Insurance Corporation; provides insurer filing requirements related to personal lines property & casualty forms; provides requirements relating to prohibition of post loss assignment of rights or benefits under policy; deletes provisions relating to deductibles for certain personal lines residential property insurance policies; provides coverage requirements for sinkhole losses; deletes provision that allows policyholder to obtain attorney fees; revises provisions relating to public adjuster compensation; prohibits public adjusters from entering into contracts or accepting power of attorney for certain purposes.

Effective Date: July 1, 2014

Last Event: Now in Insurance & Banking Subcommittee on Thursday, February 06, 2014 2:10 PM

 

HB 1089 - Citizens Property Insurance Corporation

 

General Bill   by Raschein

Citizens Property Insurance Corporation: Provides exemptions from restriction on obtaining coverage from Citizens Property Insurance Corporation for major structures under certain conditions; authorizes Citizens Property Insurance Corporation to create addendum to uniform mitigation verification form for use by certain counties.

Effective Date: July 1, 2014

Last Event: Filed on Monday, February 24, 2014 4:43 PM

 

SB 1210 - Division of Insurance Agents and Agency Services

 

General Bill   by Bean

Division of Insurance Agents and Agency Services: Revising the name of the division; requiring a branch place of business to have an agent in charge; limiting the types of business that may be transacted by certain agents; revising terminology relating to investigations conducted by the Department of Financial Services and the Office of Insurance Regulation with respect to individuals and entities involved in the insurance industry; revising a prohibition against unlicensed transaction of life insurance, etc.

Effective Date: Except as otherwise expressly provided in this act, and except for this section which shall take effect upon becoming law, this act shall take effect July 1, 2014

Last Event: 02/24/14 S Filed on Monday, February 24, 2014 8:24 AM

 

 

2014 Legislative Session Dates

August 1, 2013 - Deadline for filing claim bills (Rule 4.81(2))

January 24, 2014 5:00 p.m. - deadline for submitting requests for drafts of general bills and joint

resolutions, including requests for companion bills

February 28, 2014 5:00 p.m. - deadline for approving final drafts of general bills and joint

resolutions, including companion bills

March 4, 2014 - Regular Session convenes (Article III, section 3(b), Constitution)

March 4, 2014 12:00 noon - deadline for filing bills for introduction (Rule 3.7(1))

April 22, 2014 50th day—last day for regularly scheduled committee meetings (Rule 2.9(2))

April 28, 2014 - All bills are immediately certified (Rule 6.8)

May 2, 2014 60th day—last day of Regular Session (Article III, section 3(d), Constitution)

 

Florida State Senate Calendars:

 •  Senate Daily Schedule

2013 - 2014 INTERIM COMMITTEE MEETING SCHEDULE:

September 2013 - Week of the 23rd

October 2013 - Week of the 7th

November 2013 - Week of the 4th

December 2013 - Week of the 9th

January 2014 - Week of the 6th

January 2014 - Week of the 13th

February 2014 - Week of the 3rd

February 2014 - Week of the 10th

February 2014 - Week of the 17th



Florida House of Representatives Calendars: 

 •  House Daily Schedule

2013 - 2014 INTERIM COMMITTEE MEETING SCHEDULE:

September 2013 - Week of the 23rd

October 2013 - Week of the 7th

November 2013 - Week of the 4th

December 2013 - Week of the 9th

January 2014 - Week of the 6th

January 2014 - Week of the 13th

February 2014 - Week of the 3rd

February 2014 - Week of the 10th

February 2014 - Week of the 17th

 

Upcoming Events

House Insurance & Banking Subcommittee

 

Next Meeting: No Scheduled Meeting


Senate BANKING AND INSURANCE


Next Meeting: No Scheduled Meeting



Insurance Company to Hit Consumer's Wallets

Bill to Increase Citizens Rates Postponed

Phone (321) 277-5115
Email info@PolicyholdersofFlorida.com