Proposed Changes to Residential Property Insurance Rules

The Frame

What this does

The bill aimed to increase transparency for Florida homeowners by standardizing how insurance companies communicate coverage details, claim processes, and potential premium discounts, though the measure ultimately did not pass.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Residential property insurance policyholders

Policyholders would have received new disclosures regarding coverage, claims, and mitigation discounts, and insurers would have been restricted from including land value in coverage calculations.

Residential property insurers

Insurers would have been required to provide specific notices about the Office of Insurance Regulation's resource center and update their disclosure forms for hurricane mitigation.

What changed

Last recorded activity March 13, 2026.

What's next

Introduced.

Summary

This bill would have required the Office of Insurance Regulation to create a comprehensive online resource center to help homeowners understand insurance policies, claims, and market trends. It also sought to prohibit insurers from including land value in property coverage calculations and mandated clearer disclosures regarding hurricane mitigation discounts.

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 how my home's value is calculated for insurance?

Yes, it would have prohibited insurers from including the value of the land under your home when determining coverage amounts or adjusting claims.

What information would the new insurance website have provided?

It would have included educational materials, claim filing guidance, insurer financial data, market trends, and tools to help consumers compare coverage options.

Did this bill pass into law?

No, the bill died in the Rules committee on March 13, 2026.

Why It Matters

The bill aimed to increase transparency for Florida homeowners by standardizing how insurance companies communicate coverage details, claim processes, and potential premium discounts, though the measure ultimately did not pass.

News Coverage

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Voting Record

Motion succeededlower2/25/2026openstates_bulkOfficial roll call ↗

Passage, Third Reading

Total

117

Yes

114

No

0

Present

0

Not Voting

3

Abstain

0

How they voted (117)

+ 93 more

Full roll-call analysis →

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift95% confidence

Transparency in Rate Filings

The bill attempted to explicitly remove 'trade secret' protections from statewide average rate changes and county rating examples, signaling a legislative push for greater public scrutiny of insurance rate-setting.

Office of Insurance Regulation