Proposed Changes to Florida Insurance Regulation and Oversight
March 13, 2026
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The Frame
The bill would have increased regulatory oversight of insurance companies and required new disclosures for homeowners and drivers regarding insurance rates and claims, though the measure died in the legislative process.
Potentially affected actors named in the source documents. Mention is not a position.
Insurance companies
Must comply with new reporting, fingerprinting, and examination requirements.
Insurance executives
Required to submit fingerprints and undergo criminal background checks.
Property and auto insurance policyholders
Receive more standardized information regarding mitigation discounts and insurance claims reporting.
Last recorded activity March 13, 2026.
Introduced.
Summary
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Would this bill have changed my insurance rates?
What would have happened to my hurricane mitigation discount?
Who would have paid for the new background checks?
Why It Matters
The bill would have increased regulatory oversight of insurance companies and required new disclosures for homeowners and drivers regarding insurance rates and claims, though the measure died in the legislative process.
News Coverage
Lobbying Activity
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2024
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. Issues relating to automobile insurance. Issues related to home owners insurance. Issues relating to Federal Insurance Office activities regarding consideration of ESG policies by insurers. Issues regarding environmental policies and their consideration by insurers and state insurance regulators. H.R. 7462, Wildfire Insurance Coverage Act of 2023, all provisions.”
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2024
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. Issues relating to automobile insurance. Issues related to home owners insurance. Issues relating to Federal Insurance Office activities regarding consideration of ESG policies by insurers. Issues regarding environmental policies and their consideration by insurers and state insurance regulators. H.R. 7462, Wildfire Insurance Coverage Act of 2023, all provisions.”
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2024
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. Issues relating to automobile insurance. Issues relating to Federal Insurance Office activities regarding consideration of ESG policies by insurers. Issues relating to the Federal Insurance Office regarding environmental policies and their consideration by insurers and state insurance regulators. H.R. 7462, Wildfire Insurance Coverage Act of 2023, all provisions.”
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2024
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. Issues relating to automobile insurance. Issues relating to Federal Insurance Office activities regarding consideration of ESG policies by insurers. Issues relating to the Federal Insurance Office regarding environmental policies and their consideration by insurers and state insurance regulators.”
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2023
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. Issues relating to automobile insurance. Issues relating to Federal Insurance Office activities regarding consideration of ESG policies by insurers. Issues relating to the Federal Insurance Office regarding environmental policies and their consideration by insurers and state insurance regulators.”
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2023
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. Issues relating to automobile insurance. Issues relating to Federal Insurance Office activities regarding consideration of ESG policies by insurers. Issues relating to the Federal Insurance Office regarding environmental policies and their consideration by insurers and state insurance regulators.”
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2023
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. Issues relating to automobile insurance. Issues relating to Federal Insurance Office activities regarding consideration of ESG policies by insurers. Issues relating to the Federal Insurance Office regarding environmental policies and their consideration by insurers and state insurance regulators.”
Voting Record
Passage, Third Reading
Total
117
Yes
109
No
0
Present
0
Not Voting
8
Abstain
0
How they voted (117)
Taylor Yarkosky
Republican · yes
Mike Gottlieb
Democratic · yes
Josie Tomkow
Republican · yes
Jessica Baker
Republican · yes
Shane Abbott
Republican · yes
Webster Barnaby
Republican · yes
Lauren Melo
Republican · yes
Kim Berfield
Republican · yes
Adam Botana
Republican · yes
Bill Partington
Republican · yes
Linda Chaney
Republican · yes
John Snyder
Republican · yes
Tae Edmonds
Democratic · not voting
Meg Weinberger
Republican · yes
Chip LaMarca
Republican · yes
Erika Booth
Republican · yes
Susan Valdés
Republican · yes
Kiyan Michael
Republican · not voting
David Borrero
Republican · yes
Bruce Antone
Democratic · yes
Dan Daley
Democratic · yes
Felicia Robinson
Democratic · not voting
Karen Gonzalez Pittman
Republican · yes
Jennifer Canady
Republican · yes
+ 93 more
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Increased OIR Enforcement
The bill significantly expands the OIR's ability to conduct background checks and issue cease and desist orders for unlicensed activity.
Connected Entities
Sources
openstates.org
Analysis Score
0–100- Significance85How much this matters to a regular citizen
- Controversy40Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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