Florida Statutes
Part II - Home Warranty Associations (Ss. 634.301-634.348)
634.346 - Home warranty coverage requirements.


(1) A home warranty sold in this state may not exclude coverage because of the presence of rust or corrosion unless the rust or corrosion was a contributing cause of the mechanical breakdown or failure of a covered appliance, unit, or system.
(2) A home warranty contract providing coverage for wear and tear failures of components of an HVAC system, which contains an exclusion of replacement coverage for any other functional components of the HVAC system on the basis of operational compatibility or operational efficiency requirements as set by the manufacturer, must:
(a) Set forth a disclosure in conspicuous boldfaced type that the home warranty contract does not cover replacement of functional components of HVAC systems for reasons of compatibility or efficiency requirements of the manufacturer unless additional coverage for such circumstance is purchased, and provide the website or telephone number for the consumer to contact to add such additional coverage to the home warranty contract; and
(b) Provide consumers the option to purchase additional coverage, for an additional charge, for the replacement of otherwise functional components of an HVAC system necessary to maintain the compatibility and operating efficiency requirements of the manufacturer.

History.—s. 2, ch. 2019-87.

Structure Florida Statutes

Florida Statutes

Title XXXVII - Insurance

Chapter 634 - Warranty Associations

Part II - Home Warranty Associations (Ss. 634.301-634.348)

634.301 - Definitions.

634.302 - Powers of department, commission, and office; rules.

634.3025 - Part exclusive; applicability of other laws.

634.303 - License required.

634.304 - Qualifications for license.

634.305 - Required deposit or bond.

634.3051 - Levy upon deposit limited.

634.306 - Application for and issuance of license.

634.307 - License expiration; renewal.

634.3073 - Acquisition.

634.3076 - Prohibited investments and loans.

634.3077 - Financial requirements.

634.3078 - Assets and liabilities.

634.308 - Grounds for suspension or revocation of license.

634.309 - Procedure to suspend or revoke license.

634.310 - Order, notice of suspension or revocation of license; effect; publication.

634.311 - Duration of suspension; obligations of association during suspension period; reinstatement.

634.3112 - Administrative fine in lieu of suspension or revocation of license of association.

634.312 - Forms; required provisions and procedures.

634.3123 - Noncompliant forms.

634.313 - Tax on premiums; annual statement; reports.

634.3135 - Office records required.

634.314 - Examination of associations.

634.315 - Service of process.

634.317 - License and appointment required.

634.318 - License and appointment of sales representatives.

634.319 - Reporting and accounting for funds.

634.320 - Grounds for compulsory refusal, suspension, or revocation of license or appointment of sales representatives.

634.3205 - Rebating; when allowed.

634.321 - Grounds for discretionary refusal, suspension, or revocation of license or appointment of sales representatives.

634.322 - Procedure for refusal, suspension, or revocation of license or appointment of sales representatives.

634.3225 - Duration of suspension or revocation of license or appointment.

634.323 - Administrative fine in lieu of suspension or revocation of sales representative’s license or appointment.

634.324 - Disposition of taxes and fees.

634.325 - Insurance business not authorized.

634.326 - Fronting not permitted.

634.327 - Applicability to warranty on new home.

634.328 - Penalty for violation.

634.3284 - Civil remedy.

634.329 - Dissolution or liquidation.

634.331 - Coverage of property for sale.

634.335 - Unfair methods of competition and unfair or deceptive acts or practices prohibited.

634.336 - Unfair methods of competition and unfair or deceptive acts or practices defined.

634.337 - Power of department and office to examine and investigate.

634.338 - Prohibited practices; hearings; procedure; service of process.

634.3385 - Unauthorized entities; gifts and grants.

634.339 - Cease and desist and penalty orders.

634.34 - Appeals from orders of the department or office.

634.341 - Penalty for violation of cease and desist order.

634.342 - Injunctive proceedings.

634.343 - Civil liability.

634.344 - Coercion of debtor prohibited.

634.346 - Home warranty coverage requirements.

634.348 - Investigatory records.