(1) The denial of an application for an insurance policy must be accompanied by the specific reasons for denial, including the specific underwriting reasons, if applicable.
(2) Each notice of nonrenewal or cancellation must be accompanied by the specific reasons for nonrenewal or cancellation, including the specific underwriting reasons, if applicable.
(3) No cause of action in the nature of defamation, invasion of privacy, or negligence shall arise against any person for disclosing personal or privileged information in accordance with this section, nor shall such a cause of action arise against any person for furnishing personal or privileged information to an insurance institution, agent, or insurance-support organization; however, this section shall provide no immunity for disclosing or furnishing false information through gross negligence or with malice or willful intent to injure any person.
(4) The provisions of any other statute respecting disclosure of personal information control to the extent of any conflict with this section.
(5) When an insurer refuses to provide private passenger automobile insurance or personal lines residential property insurance, including, but not limited to, homeowner’s, mobile home owner’s, condominium unit owner’s, or other insurance covering a personal residential structure, to an applicant due to adverse underwriting information, the insurer shall:
(a) Provide to the applicant specific information regarding the reasons for the refusal to insure.
(b) If the reason for the refusal to insure is based on a loss underwriting history or report from a consumer reporting agency, to the extent applicable identify the loss underwriting history and notify the applicant of his or her right under the federal Fair and Accurate Credit Transactions Act to obtain a copy of the report from the consumer reporting agency.
History.—s. 31, ch. 92-318; s. 12, ch. 2004-370; s. 157, ch. 2004-390.
Structure Florida Statutes
Chapter 627 - Insurance Rates and Contracts
Part II - The Insurance Contract (Ss. 627.401-627.444)
627.4025 - Residential coverage and hurricane coverage defined.
627.4035 - Payment of premiums; claims.
627.404 - Insurable interest; personal insurance.
627.405 - Insurable interest; property.
627.406 - Power to contract; purchase of insurance by or for minor.
627.407 - Alteration of application.
627.408 - Application as evidence.
627.4085 - Insurer name, agent name, and license identification number required on application.
627.409 - Representations in applications; warranties.
627.4091 - Specific reasons for denial, cancellation, or nonrenewal.
627.40951 - Standard personal lines residential insurance policy.
627.410 - Filing, approval of forms.
627.4101 - Credit insurance enrollment forms.
627.4102 - Informational filing of forms.
627.4105 - Life and health insurance; reduced premiums upon rigorous physical examination.
627.411 - Grounds for disapproval.
627.412 - Standard provisions, in general.
627.413 - Contents of policies, in general; identification.
627.4131 - Telephone number required.
627.4132 - Stacking of coverages prohibited.
627.4133 - Notice of cancellation, nonrenewal, or renewal premium.
627.4135 - Casualty insurance contracts subject to general provisions for insurance contracts.
627.4136 - Nonjoinder of insurers.
627.4137 - Disclosure of certain information required.
627.4138 - Wrap-up insurance policies for nonpublic construction projects.
627.414 - Additional policy contents.
627.4143 - Outline of coverage.
627.4145 - Readable language in insurance policies.
627.4147 - Medical malpractice insurance contracts.
627.4148 - Medical malpractice insurers; required offer of coverage limits.
627.41495 - Public notice of medical malpractice rate filings.
627.415 - Charter, bylaw provisions.
627.416 - Execution of policies.
627.417 - Underwriters’ and combination policies.
627.418 - Validity of noncomplying contracts.
627.419 - Construction of policies.
627.4195 - Health insurance; claims for payment of psychotherapeutic services; confidentiality.
627.4205 - Coverage identification number required.
627.4215 - Disclosures to policyholders; coverage of behavioral health care services.
627.422 - Assignment of policies or post-loss benefits.
627.423 - Payment discharges insurer.
627.4232 - Health insurance out-of-hospital benefits.
627.4233 - Total disability defined.
627.4234 - Health insurance cost containment provisions required.
627.4235 - Coordination of benefits.
627.4236 - Coverage for bone marrow transplant procedures.
627.4237 - Sickness disability or disability due to sickness.
627.4238 - Health insurer examinations.
627.4239 - Coverage for use of drugs in treatment of cancer.
627.42392 - Prior authorization.
627.42393 - Step-therapy protocol.
627.42395 - Coverage for certain prescription and nonprescription enteral formulas.
627.42396 - Reimbursement for telehealth services.
627.42397 - Coverage for air ambulance services.
627.424 - Minor may give acquittance.
627.425 - Forms for proof of loss to be furnished.
627.426 - Claims administration.
627.4265 - Payment of settlement.
627.427 - Payment of judgment by insurer; penalty for failure.
627.429 - Medical tests for HIV infection and AIDS for insurance purposes.
627.4295 - Dental procedures; anesthesia and hospitalization coverage.
627.4301 - Genetic information for insurance purposes.
627.4302 - Identification cards for processing prescription drug claims.
627.43141 - Notice of change in policy terms.
627.441 - Commercial general liability policies; coverage to contractors for completed operations.
627.442 - Insurance contracts.