Florida Statutes
Title XXXVII - Insurance
Chapter 627 - Insurance Rates and Contracts

627.0628 - Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption. - (1) LEGISLATIVE FINDINGS AND INTENT.— (a) Reliable projections of hurricane...

627.06281 - Public hurricane loss projection model; reporting of data by insurers. - (1) Within 30 days after a written request for loss...

627.0629 - Residential property insurance; rate filings. - (1) It is the intent of the Legislature that insurers...

627.06291 - Excess profits of residential property insurer; return. - History.—s. 26, ch. 2007-1.

627.06292 - Reports of hurricane loss data and associated exposure data; public records exemption. - (1) Reports of hurricane loss data and associated exposure data...

627.0645 - Annual filings. - (1) Each rating organization filing rates for, and each insurer...

627.06501 - Insurance discounts for certain persons completing driver improvement course. - (1) Any rate, rating schedule, or rating manual for the...

627.0651 - Making and use of rates for motor vehicle insurance. - (1) Insurers shall establish and use rates, rating schedules, or...

627.0652 - Insurance discounts for certain persons completing safety course. - (1) Any rates, rating schedules, or rating manuals for the...

627.0653 - Insurance discounts for specified motor vehicle equipment. - (1) Any rates, rating schedules, or rating manuals for the...

627.06535 - Electric vehicles; restrictions on imposing surcharges. - History.—s. 13, ch. 95-333; s. 1073, ch. 2003-261.

627.0654 - Insurance discounts for buildings with fire sprinklers. - (1) Any rates, rating schedules, or rating manuals for a...

627.0655 - Policyholder loss or expense-related premium discounts. - (1) The same insurer or insurer group, or another insurer...

627.066 - Excessive profits for motor vehicle insurance prohibited. - (1) As used herein: (a) “Private passenger automobile business” means...

627.0665 - Automatic bank withdrawal agreements; notification required. - History.—ss. 1, 2, ch. 88-320; s. 114, ch. 92-318.

627.072 - Making and use of rates. - (1) As to workers’ compensation and employer’s liability insurance, the...

627.091 - Rate filings; workers’ compensation and employer’s liability insurances. - (1) As to workers’ compensation and employer’s liability insurances, every...

627.0915 - Rate filings; workers’ compensation, drug-free workplace, and safe employers. - (1) The office shall approve rating plans for workers’ compensation...

627.0916 - Agricultural horse farms. - History.—s. 96, ch. 93-415; s. 2, ch. 95-219; s. 1078,...

627.092 - Workers’ Compensation Administrator. - History.—s. 21, ch. 78-300; s. 96, ch. 79-40; s. 2,...

627.093 - Application of s. 286.011 to workers’ compensation and employer’s liability insurances. - History.—s. 97, ch. 79-40; s. 2, ch. 81-318; ss. 357,...

627.096 - Workers’ Compensation Rating Bureau. - (1) There is created within the office a Workers’ Compensation...

627.101 - When filing becomes effective; workers’ compensation and employer’s liability insurances. - (1) The office shall review filings as to workers’ compensation...

627.111 - Effective date of filing. - (1) If, pursuant to s. 627.101(2), the office determines to...

627.141 - Subsequent disapproval of filing; workers’ compensation and employer’s liability insurances. - History.—s. 424, ch. 59-205; s. 7, ch. 67-9; ss. 13,...

627.151 - Basis of approval or disapproval of workers’ compensation or employer’s liability insurance filing; scope of disapproval power. - (1) In determining at any time whether to approve or...

627.1615 - Workers’ compensation applicant discrimination. - History.—s. 52, ch. 90-201; s. 50, ch. 91-1; s. 17,...

627.162 - Requirements for premium installments; delinquency, collection, and check return charges; attorney’s fees. - (1) Insurers providing workers’ compensation coverage under chapter 440 shall...

627.171 - Excess rates. - (1) With written consent of the insured signed prior to...

627.191 - Adherence to filings; workers’ compensation and employer’s liability insurances. - History.—s. 429, ch. 59-205; s. 11, ch. 67-9; s. 3,...

627.192 - Workers’ compensation insurance; employee leasing arrangements. - (1) The purpose of this section is to ensure that...

627.211 - Deviations; workers’ compensation and employer’s liability insurances. - (1) Every member or subscriber to a rating organization shall,...

627.212 - Workplace safety program surcharge. - History.—s. 97, ch. 93-415; s. 12, ch. 99-240; s. 1088,...

627.215 - Excessive profits for commercial property and commercial casualty insurance prohibited. - (1)(a) Each insurer group writing commercial property insurance as defined...

627.221 - Rating organizations; licensing; fee. - (1) A person, whether located within or outside this state,...

627.231 - Subscribers to rating organizations. - (1) Subject to rules and regulations which have been approved...

627.241 - Notice of changes. - (1) Its constitution, its articles of agreement or association, or...

627.251 - Bureau rules not to affect dividends. - History.—s. 435, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.261 - Actuarial and technical services. - History.—s. 436, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.281 - Appeal from rating organization; workers’ compensation and employer’s liability insurance filings. - (1) Any member or subscriber to a rating organization may...

627.285 - Independent actuarial peer review of workers’ compensation rating organization. - History.—s. 34, ch. 2003-412; s. 85, ch. 2018-110.

627.291 - Information to be furnished insureds; appeal by insureds; workers’ compensation and employer’s liability insurances. - (1) As to workers’ compensation and employer’s liability insurances, every...

627.301 - Advisory organizations. - (1) No advisory organization shall conduct its operations in this...

627.311 - Joint underwriters and joint reinsurers; public records and public meetings exemptions. - (1) Every group, association, or other organization of insurers which...

627.312 - Transitional provisions. - (1) Notwithstanding s. 627.311(5), no policy in subplan “D” of...

627.3121 - Public records and public meetings exemptions. - (1) The following records held by the Florida Workers’ Compensation...

627.313 - Workers’ Compensation Joint Underwriting Plan; audit requirements. - History.—s. 4, ch. 2004-266.

627.314 - Concerted action by two or more insurers. - (1) Subject to and in compliance with the provisions of...

627.318 - Records. - History.—s. 17, ch. 67-9; ss. 13, 35, ch. 69-106; s....

627.331 - Recording and reporting of loss, expense, and claims experience; rating information. - (1) The commission may promulgate rules and statistical plans which...

627.351 - Insurance risk apportionment plans. - (1) MOTOR VEHICLE INSURANCE RISK APPORTIONMENT.—Agreements may be made among...

627.3511 - Depopulation of Citizens Property Insurance Corporation. - (1) LEGISLATIVE INTENT.—The Legislature finds that the public policy of...

627.3512 - Recoupment of residual market deficit assessments. - (1) The Legislature finds and declares that all assessments paid...

627.3513 - Standards for sale of bonds by Citizens Property Insurance Corporation. - (1)(a) The purpose of this section is to provide standards...

627.3515 - Market assistance plan; property and casualty risks. - (1) The office shall adopt a market assistance plan to...

627.3517 - Consumer choice. - History.—s. 4, ch. 2002-221; s. 4, ch. 2002-240; s. 1106,...

627.3518 - Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. - (1) As used in this section, the term: (a) “Corporation”...

627.35191 - Required reports. - (1) By February 1 of each year, the Florida Hurricane...

627.35193 - Consumer reporting agency request for claims data from Citizens Property Insurance Corporation. - History.—s. 28, ch. 2008-220; s. 85, ch. 2009-21.

627.352 - Security of data and information technology in Citizens Property Insurance Corporation. - (1) The following data and information from technology systems owned...

627.357 - Medical malpractice self-insurance. - (1) DEFINITIONS.—As used in this section, the term: (a) “Fund”...

627.361 - False or misleading information. - History.—s. 446, ch. 59-205; ss. 13, 35, ch. 69-106; s....

627.371 - Hearings. - (1) Any person aggrieved by any rate charged, rating plan,...

627.381 - Penalty for violation. - (1) The office may, if it finds that any person...

Part II - The Insurance Contract (Ss. 627.401-627.444)

627.401 - Scope of this part. - (1) Reinsurance. (2) Policies or contracts not issued for delivery...

627.402 - Definitions. - (1) “Grandfathered health plan” has the same meaning as provided...

627.4025 - Residential coverage and hurricane coverage defined. - (1) Residential coverage includes both personal lines residential coverage, which...

627.403 - “Premium” defined. - History.—s. 452, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.4035 - Payment of premiums; claims. - (1)(a) The premiums for insurance contracts issued in this state...

627.404 - Insurable interest; personal insurance. - (1) Any individual of legal capacity may procure or effect...

627.405 - Insurable interest; property. - (1) No contract of insurance of property or of any...

627.406 - Power to contract; purchase of insurance by or for minor. - (1) Any person of competent legal capacity may contract for...

627.407 - Alteration of application. - History.—s. 456, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.408 - Application as evidence. - (1) An application for the issuance of any life or...

627.4085 - Insurer name, agent name, and license identification number required on application. - (1) All applications for an insurance policy or annuity contract...

627.409 - Representations in applications; warranties. - (1) Any statement or description made by or on behalf...

627.4091 - Specific reasons for denial, cancellation, or nonrenewal. - (1) The denial of an application for an insurance policy...

627.40951 - Standard personal lines residential insurance policy. - History.—s. 8, ch. 2005-111; s. 96, ch. 2019-3.

627.410 - Filing, approval of forms. - (1) A basic insurance policy or annuity contract form, or...

627.4101 - Credit insurance enrollment forms. - History.—s. 11, ch. 2002-57; s. 1113, ch. 2003-261.

627.4102 - Informational filing of forms. - (1) Property and casualty forms, except workers’ compensation and personal...

627.4105 - Life and health insurance; reduced premiums upon rigorous physical examination. - History.—s. 1, ch. 78-248; s. 2, ch. 81-318; ss. 365,...

627.4107 - Government employees exposed to toxic drug chemicals; cancellation of life or health policy or certificate prohibited. - History.—s. 3, ch. 2006-306; s. 152, ch. 2013-183.

627.411 - Grounds for disapproval. - (1) The office shall disapprove any form filed under s....

627.412 - Standard provisions, in general. - (1) Insurance contracts shall contain such standard or uniform provisions...

627.413 - Contents of policies, in general; identification. - (1) Every policy shall specify: (a) The names of the...

627.4131 - Telephone number required. - History.—s. 34, ch. 92-318.

627.4132 - Stacking of coverages prohibited. - (1) To uninsured motorist coverage which is separately governed by...

627.4133 - Notice of cancellation, nonrenewal, or renewal premium. - (1) Except as provided in subsection (2): (a) An insurer...

627.4135 - Casualty insurance contracts subject to general provisions for insurance contracts. - History.—s. 610, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.4136 - Nonjoinder of insurers. - (1) It shall be a condition precedent to the accrual...

627.4137 - Disclosure of certain information required. - (1) Each insurer which does or may provide liability insurance...

627.4138 - Wrap-up insurance policies for nonpublic construction projects. - (1) As used in this section, the term: (a) “Specified...

627.414 - Additional policy contents. - (1) Required to be inserted by the laws of the...

627.4143 - Outline of coverage. - (1) No private passenger automobile or basic homeowner policy shall...

627.4145 - Readable language in insurance policies. - (1) Every policy shall be readable as required by this...

627.4147 - Medical malpractice insurance contracts. - (1) In addition to any other requirements imposed by law,...

627.4148 - Medical malpractice insurers; required offer of coverage limits. - (1) One hundred thousand dollars per claim, $300,000 annual aggregate;...

627.41495 - Public notice of medical malpractice rate filings. - (1) Upon the filing of a proposed rate change by...

627.415 - Charter, bylaw provisions. - History.—s. 464, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.416 - Execution of policies. - (1) Except as set forth in subsection (4), an insurance...

627.417 - Underwriters’ and combination policies. - (1) Two or more authorized insurers may jointly issue, and...

627.418 - Validity of noncomplying contracts. - (1) Any insurance policy, rider, or endorsement otherwise valid which...

627.419 - Construction of policies. - (1) Every insurance contract shall be construed according to the...

627.4195 - Health insurance; claims for payment of psychotherapeutic services; confidentiality. - History.—s. 2, ch. 96-180. Note.—Former s. 627.66995.

627.420 - Binders. - History.—s. 469, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.4205 - Coverage identification number required. - History.—s. 17, ch. 86-160; s. 2, ch. 87-50; s. 114,...

627.421 - Delivery of policy. - (1) Subject to the insurer’s requirement as to payment of...

627.4215 - Disclosures to policyholders; coverage of behavioral health care services. - (1) A health insurer shall make all of the following...

627.422 - Assignment of policies or post-loss benefits. - (1) LIFE OR HEALTH INSURANCE POLICIES.—Subject to its terms relating...

627.423 - Payment discharges insurer. - History.—s. 472, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.4232 - Health insurance out-of-hospital benefits. - History.—ss. 6, 10, ch. 84-235; s. 114, ch. 92-318.

627.4233 - Total disability defined. - (1) If an individual or group policy of disability income...

627.4234 - Health insurance cost containment provisions required. - (1) Coinsurance. (2) Deductible amounts. (3) Utilization review. (4) Audits...

627.4235 - Coordination of benefits. - (1) A group hospital, medical, or surgical expense policy, group...

627.4236 - Coverage for bone marrow transplant procedures. - (1) As used in this section, the term “bone marrow...

627.4237 - Sickness disability or disability due to sickness. - History.—s. 120, ch. 92-33; s. 1, ch. 92-171; s. 330,...

627.4238 - Health insurer examinations. - History.—ss. 3, 10, ch. 84-235; s. 114, ch. 92-318; s....

627.4239 - Coverage for use of drugs in treatment of cancer. - (1) DEFINITIONS.—As used in this section, the term: (a) “Medical...

627.42391 - Insurance policies; cancer treatment parity; orally administered cancer treatment medications. - (1) As used in this section, the term: (a) “Cancer...

627.42392 - Prior authorization. - (1) As used in this section, the term “health insurer”...

627.42393 - Step-therapy protocol. - (1) As used in this section, the term: (a) “Health...

627.42395 - Coverage for certain prescription and nonprescription enteral formulas. - History.—s. 1, ch. 95-340. Note.—Former s. 627.64195.

627.42396 - Reimbursement for telehealth services. - History.—s. 2, ch. 2019-137.

627.42397 - Coverage for air ambulance services. - (1) As used in this section, the term: (a) “Air...

627.424 - Minor may give acquittance. - (1) Any minor domiciled in this state who has attained...

627.425 - Forms for proof of loss to be furnished. - History.—s. 474, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.426 - Claims administration. - (1) Without limitation of any right or defense of an...

627.4265 - Payment of settlement. - History.—s. 12, ch. 83-288; s. 3, ch. 84-94; s. 114,...

627.427 - Payment of judgment by insurer; penalty for failure. - (1) Every judgment or decree for the recovery of money...

627.428 - Attorney fees. - (1) Upon the rendition of a judgment or decree by...

627.429 - Medical tests for HIV infection and AIDS for insurance purposes. - (1) PURPOSE.—The purpose of this section is to prohibit unfair...

627.4295 - Dental procedures; anesthesia and hospitalization coverage. - (1) Is under 8 years of age and is determined...

627.4301 - Genetic information for insurance purposes. - (1) DEFINITIONS.—As used in this section, the term: (a) “Genetic...

627.4302 - Identification cards for processing prescription drug claims. - (1) The purpose of this section is to improve patient...

627.43141 - Notice of change in policy terms. - (1) As used in this section, the term: (a) “Change...

627.441 - Commercial general liability policies; coverage to contractors for completed operations. - (1) As used in this section, the term: (a) “Contractor”...

627.442 - Insurance contracts. - (1) A person who requires a workers’ compensation insurance policy...

627.443 - Essential health benefits. - (1) As used in this section, the term: (a) “EHB-benchmark...

627.444 - Loss run statements for all lines of insurance. - (1) As used in this section, the term: (a) “Loss...

Part III - Life Insurance and Annuity Contracts (Ss. 627.451-627.482)

627.451 - Scope of this part. - History.—s. 478, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.452 - Standard provisions required. - (1) No policy of life insurance, except as stated in...

627.453 - Grace period. - History.—s. 480, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.454 - Entire contract; statements in application. - History.—s. 481, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.455 - Incontestability. - History.—s. 482, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.4553 - Recommendations to surrender. - (1) If an insurance agent recommends the surrender of an...

627.4554 - Annuity investments. - (1) PURPOSE.—The purpose of this section is to require insurers...

627.4555 - Secondary notice. - (1) Except as provided in this section, a contract for...

627.4556 - Life insurance automatic policy loan provision. - History.—s. 2, ch. 95-142.

627.456 - Misstatement of age or sex. - History.—s. 483, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.457 - Dividends. - (1) Every participating policy shall provide that, beginning not later...

627.458 - Policy loan. - (1) There shall be a provision that after the policy...

627.4585 - Maximum rate of interest on policy loans. - (1) For the purposes of this section, the “published monthly...

627.459 - Reinstatement. - History.—s. 486, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.460 - Authority to alter contract. - History.—s. 487, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.4605 - Replacement notice. - (1) An application to the current insurer that issued the...

627.461 - Settlement on proof of death. - History.—s. 488, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.4615 - Interest payable on death claim payments. - History.—s. 15, ch. 83-288; s. 3, ch. 84-94; ss. 43,...

627.462 - Table of installments. - History.—s. 489, ch. 59-205; ss. 13, 35, ch. 69-106; s....

627.463 - Excluded or restricted coverage. - History.—s. 490, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.464 - Annuity contracts, pure endowment contracts; standard provisions. - (1) No fixed-dollar annuity, variable annuity, or pure endowment contract,...

627.465 - Annuity contracts, pure endowment contracts; grace period. - History.—s. 492, ch. 59-205; s. 11, ch. 61-441; s. 3,...

627.466 - Annuity contracts, pure endowment contracts; incontestability. - History.—s. 493, ch. 59-205; s. 12, ch. 61-441; s. 3,...

627.467 - Annuity contracts, pure endowment contracts; entire contract. - History.—s. 494, ch. 59-205; s. 13, ch. 61-441; s. 3,...

627.468 - Annuity contracts, pure endowment contracts; misstatement of age or sex. - History.—s. 495, ch. 59-205; s. 14, ch. 61-441; s. 3,...

627.469 - Annuity contracts, pure endowment contracts; dividends. - History.—s. 496, ch. 59-205; s. 15, ch. 61-441; s. 3,...

627.470 - Annuity contracts, pure endowment contracts; reinstatement. - History.—s. 497, ch. 59-205; s. 16, ch. 61-441; s. 3,...

627.471 - Reversionary annuities; standard provisions. - (1) Except as stated in this section, no contract for...

627.472 - Incontestability after reinstatement. - History.—s. 499, ch. 59-205; s. 17, ch. 61-441; s. 3,...

627.473 - Policy settlements. - History.—s. 500, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.474 - Policy must contain entire contract. - History.—s. 501, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.475 - Nonforfeiture benefits; certain interim policies. - (1) That, in the event of default in any premium,...

627.476 - Standard Nonforfeiture Law for Life Insurance. - (1) SHORT TITLE.—This section shall be known as the “Standard...

627.479 - Prohibited policy plans. - (1) No insurer shall issue policies, certificates, or contracts to...

627.480 - Cash payments of single-premium life policies. - History.—s. 1, ch. 70-66; s. 1, ch. 70-439; s. 3,...

627.481 - Requirements for certain annuity agreements. - (1) Any duly organized domestic or foreign nonstock corporation, or...

627.482 - Interest payable on cash surrender of policy. - (1) If an insured requests payment of the cash surrender...

Part IV - Industrial Life Insurance Policies (Ss. 627.501-627.522)

627.501 - Scope of this part. - History.—s. 507, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.502 - “Industrial life insurance” defined; reporting; prohibition on new policies after a certain date. - (1) For the purposes of this code, “industrial life insurance”...

627.503 - Required provisions. - (1) No policy of industrial life insurance shall be delivered...

627.504 - Grace period. - History.—s. 510, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.5045 - Secondary notice. - History.—s. 3, ch. 95-142; s. 12, ch. 97-292.

627.505 - Entire contract; statements in application. - History.—s. 511, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.506 - Incontestability. - History.—s. 512, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.507 - Misstatement of age or sex. - History.—s. 513, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.508 - Dividends. - History.—s. 514, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.509 - Reinstatement. - History.—s. 515, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.510 - Settlement on proof of death. - (1) The policy shall provide that when the policy becomes...

627.511 - Authority to alter contract. - History.—s. 517, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.512 - Beneficiary. - History.—s. 518, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.513 - Facility of payment. - History.—s. 519, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.514 - Nonforfeiture benefits; certain interim policies. - (1) That, in the event of default in any premiums,...

627.515 - Title of industrial life insurance policy. - History.—s. 521, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.516 - Advance payment of premiums. - History.—s. 522, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.517 - Conversion. - History.—s. 523, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.521 - Disclosure statements. - History.—ss. 419, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s....

627.522 - Policy requirements and prohibitions. - (1) An industrial life insurance policy may not exclude or...

Part V - Group Life Insurance Policies (Ss. 627.551-627.575)

627.551 - Group contracts and plans of self-insurance must meet group requirements. - (1)(a) A life insurance policy insuring the lives of more...

627.5515 - Out-of-state groups. - (1) Any group life insurance policy issued or delivered outside...

627.552 - Employee groups. - (1)(a) The employees eligible for insurance under the policy shall...

627.553 - Debtor groups. - (1) The debtors eligible for insurance under the policy shall...

627.554 - Labor union groups. - (1) The individuals eligible for insurance under the policy shall...

627.555 - Trustee groups. - (1) A policy may not be issued under this section:...

627.556 - Credit union groups. - History.—s. 529, ch. 59-205; s. 1, ch. 63-6; s. 3,...

627.5565 - Additional groups. - (1) An insurer may afford coverage under a group policy...

627.5567 - Group life insurance; association groups. - (1) The members eligible for insurance under the policy shall...

627.5575 - Group life insurance for dependents. - (1) The premium for the insurance shall be paid either...

627.558 - Provisions required in group contracts. - (1) Sections 627.564-627.568 inclusive do not apply to policies issued...

627.559 - Grace period. - History.—s. 532, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.560 - Incontestability. - History.—s. 533, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.561 - Application; statements deemed representations. - History.—s. 534, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.562 - Insurability. - History.—s. 535, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.563 - Misstatement of age. - History.—s. 536, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.564 - Payment of benefits. - History.—s. 537, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.565 - Certificate. - History.—s. 538, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.566 - Conversion on termination of eligibility. - (1) The individual policy shall, at the option of such...

627.567 - Conversion on termination of policy. - (1) The amount of the person’s life insurance protection ceasing...

627.568 - Death pending conversion. - History.—s. 541, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.5685 - Continuance of coverage during disability. - History.—ss. 440, 809(2nd), ch. 82-243; ss. 56, 79, ch. 82-386;...

627.5686 - Waiver of premium for disabled insured. - History.—ss. 441, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s....

627.569 - Use of dividends, refunds, rate reductions, commissions, service fees. - History.—s. 542, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.570 - Premium rates. - History.—s. 543, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.571 - Assignment of incidents of ownership in group life insurance policies, including conversion privileges. - (1) Nothing in this code or in any other law...

627.5725 - Notification to insureds of cancellation or expiration. - History.—ss. 1, 3, ch. 83-157; s. 114, ch. 92-318.

627.573 - Replacement or termination of group life insurance; liability of prior insurer. - History.—s. 1, ch. 74-72; s. 3, ch. 76-168; s. 1,...

627.574 - Liability of succeeding insurer on replacement of group policy. - (1) Each person who is eligible for coverage in accordance...

627.575 - Extension of benefits. - (1) Every group life policy which is delivered or issued...

Part VI - Health Insurance Policies (Ss. 627.601-627.64995)

627.601 - Scope of this part. - (1) Any policy of liability insurance or workers’ compensation insurance,...

627.6011 - Mandated coverages. - History.—s. 12, ch. 2012-151; s. 8, ch. 2016-194.

627.602 - Scope, format of policy. - (1) Each health insurance policy delivered or issued for delivery...

627.603 - Death benefits. - History.—s. 546, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.604 - Nonresident insured. - History.—s. 547, ch. 59-205; ss. 13, 35, ch. 69-106; s....

627.6041 - Children with disabilities; continuation of coverage. - (1) A hospital or medical expense insurance policy or health...

627.6043 - Notification of cancellation, nonrenewal, or change in rates. - (1) Any insurer delivering or issuing an individual health insurance...

627.6044 - Use of a specific methodology for payment of claims. - (1) Each insurance policy that provides for payment of claims...

627.6045 - Preexisting condition. - (1) A preexisting condition provision may not exclude coverage for...

627.6046 - Limit on preexisting conditions. - (1) As used in this section, the term: (a) “Operative...

627.605 - Required provisions; captions, omissions, substitutions. - (1) Except as provided in subsection (2), each such policy...

627.6056 - Coverage for ambulatory surgical center service. - History.—s. 12, ch. 77-24; s. 2, ch. 81-318; ss. 26,...

627.606 - Entire contract; changes. - Entire Contract; Changes: This policy, with the application and attached...

627.607 - Time limit on certain defenses. - (1) The contract shall include the following provision: “Time Limit...

627.608 - Grace period. - (1) If the insurer reserves the right to refuse renewal,...

627.609 - Reinstatement. - (1) The contract shall include the following provision: “Reinstatement: If...

627.610 - Notice of claim. - (1) The contract shall include the following provision: “Notice of...

627.611 - Claim forms. - Claim Forms: When the insurer receives the notice of claim,...

627.612 - Proof of loss. - Proof of Loss: If the policy provides for periodic payment...

627.613 - Time of payment of claims. - (1) The contract shall include the following provision: “Time of...

627.6131 - Payment of claims. - (1) The contract shall include the following provision: “Time of...

627.614 - Payment of claims. - (1) The contract shall include the following provision: “Payment of...

627.6141 - Denial of claims. - History.—s. 7, ch. 96-223.

627.615 - Physical examination, autopsy. - Physical Examinations and Autopsy: The insurer at its expense has...

627.616 - Legal actions. - Legal Actions: No legal action may be brought to recover...

627.617 - Change of beneficiary. - Change of Beneficiary: The insured can change the beneficiary at...

627.618 - Optional policy provisions. - History.—s. 561, ch. 59-205; ss. 13, 35, ch. 69-106; s....

627.619 - Change of occupation. - Change of Occupation: If the insured is injured or contracts...

627.620 - Misstatement of age or sex. - Misstatement of Age or Sex: If the age or sex...

627.621 - Other insurance with this insurer. - Other Insurance with This Insurer: If two or more health...

627.622 - Insurance with other insurers. - (1) The contract may include the following provision: “Insurance with...

627.623 - Insurance with other insurers; other benefits. - (1) The contract may include the following provision: “Insurance With...

627.624 - Relation of earnings to insurance. - (1) The contract may include the following provision: “Relation of...

627.625 - Unpaid premiums. - Unpaid Premium: Upon the payment of a claim under this...

627.6265 - Cancellation or nonrenewal prohibited. - History.—ss. 49, 53, ch. 88-380; s. 114, ch. 92-318.

627.627 - Conformity with statutes. - Conformity with State Statutes: Any provision of this policy which,...

627.628 - Illegal occupation. - Illegal Occupation: The insurer will not be liable for any...

627.629 - Intoxicants and narcotics. - Intoxicants and Narcotics: The insurer will not be liable for...

627.630 - Order of certain provisions. - History.—s. 573, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.631 - Third-party ownership. - History.—s. 574, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.632 - Requirements of other jurisdictions. - (1) Any policy of a foreign or alien insurer, when...

627.633 - Other policy provisions. - History.—s. 576, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.634 - Age limit. - History.—s. 577, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.635 - Excess insurance. - (1) No provision of this chapter shall be deemed to...

627.636 - Industrial health insurance. - (1) Any policy may contain a provision requiring proof of...

627.637 - Construction of noncomplying contracts. - History.—s. 580, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.638 - Direct payment for hospital, medical services. - (1) Any health insurance policy insuring against loss or expense...

627.6385 - Disclosures to policyholders; calculations of cost sharing. - (1) Each health insurer shall make available on its website:...

627.6387 - Shared savings incentive program. - (1) This section and ss. 627.6648 and 641.31076 may be...

627.639 - Application signed by agent. - History.—s. 582, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.640 - Filing of classifications and rates. - History.—s. 583, ch. 59-205; ss. 13, 35, ch. 69-106; s....

627.6401 - Refunds for persons age 64. - History.—s. 1, ch. 85-136; s. 1, ch. 86-286; s. 114,...

627.6402 - Insurance rebates for healthy lifestyles. - (1) Any rate, rating schedule, or rating manual for an...

627.64025 - Advanced practice registered nurse services. - History.—s. 28, ch. 2020-9.

627.6403 - Payment of acupuncture benefits to certified acupuncturists. - History.—ss. 1, 3, ch. 87-176; s. 114, ch. 92-318.

627.6405 - Decreasing inappropriate utilization of emergency care. - (1) A health insurer shall post on its website, and...

627.6406 - Maternity care. - (1) Any policy of health insurance which provides coverage for...

627.6407 - Massage. - History.—s. 57, ch. 92-318; s. 241, ch. 98-166; s. 17,...

627.6408 - Diabetes treatment services. - (1) A health insurance policy or group health insurance policy...

627.6409 - Coverage for osteoporosis screening, diagnosis, treatment, and management. - History.—s. 2, ch. 96-282.

627.641 - Coverage for newborn children. - (1) A health insurance policy that provides coverage on an...

627.6415 - Coverage for natural-born, adopted, and foster children; children in insured’s custodial care. - (1) A health insurance policy that provides coverage for a...

627.6416 - Coverage for child health supervision services. - (1) All health insurance policies providing coverage on an expense-incurred...

627.6417 - Coverage for surgical procedures and devices incident to mastectomy. - (1) Any health insurance policy that provides coverage for mastectomies...

627.64171 - Coverage for length of stay and outpatient postsurgical care. - (1) Any health insurance policy that is issued, amended, delivered,...

627.64172 - Requirements with respect to breast cancer and routine followup care. - History.—s. 3, ch. 97-48.

627.6418 - Coverage for mammograms. - (1) An accident or health insurance policy issued, amended, delivered,...

627.6419 - Requirements with respect to breast cancer. - (1) An insurer may not deny the issuance or renewal...

627.64193 - Required coverage for cleft lip and cleft palate. - History.—s. 1, ch. 98-66.

627.64194 - Coverage requirements for services provided by nonparticipating providers; payment collection limitations. - (1) As used in this section, the term: (a) “Emergency...

627.64195 - Requirements for opioid coverage. - (1) DEFINITIONS.—As used in this section, the term: (a) “Abuse-deterrent...

627.64196 - Medication synchronization. - (1) A health insurer issuing or delivering in this state...

627.64197 - Coverage for organ transplants. - History.—s. 2, ch. 2020-139.

627.642 - Outline of coverage. - (1) A policy offering benefits defined in s. 627.6513(1)-(14) may...

627.6425 - Renewability of individual coverage. - (1) Except as otherwise provided in this section, an insurer...

627.6426 - Short-term health insurance. - (1) For purposes of this part, the term “short-term health...

627.643 - Uniform minimum standards. - (1) The commission shall adopt rules which establish minimum standards...

627.644 - Discrimination against handicapped prohibited. - History.—s. 1, ch. 76-127; s. 3, ch. 76-168; s. 1,...

627.645 - Denial of health insurance claims restricted. - (1) A claim for payment under a health insurance policy...

627.646 - Conversion on termination of eligibility. - (1) Every health insurance policy providing hospital or medical expense...

627.647 - Standard health claim form. - (1) The commission shall prescribe a standard health claim form...

627.6471 - Contracts for reduced rates of payment; limitations; coinsurance and deductibles. - (1) As used in this section: (a) “Insurer” means an...

627.6472 - Exclusive provider organizations. - (1) As used in this section, the term: (a) “Complaint”...

627.64725 - Health maintenance organization or exclusive provider organization; disclosure of terms and conditions of plan. - History.—s. 8, ch. 96-223. 1Note.—Also published at s. 641.31015.

627.6473 - Combined preferred provider and exclusive provider policies. - History.—s. 128, ch. 92-33.

627.64731 - Leasing, renting, or granting access to a participating provider. - (1) As used in this section, the term: (a) “Contracting...

627.6474 - Provider contracts. - (1) A health insurer may not require a contracted health...

627.64741 - Pharmacy benefit manager contracts. - (1) As used in this section, the term: (a) “Maximum...

627.6475 - Individual reinsurance pool. - (1) PURPOSE.—The purpose of this section is to provide for...

627.6487 - Guaranteed availability of individual health insurance coverage to eligible individuals. - (1) Subject to the requirements of this section, each health...

627.64995 - Restrictions on use of state and federal funds for state exchanges. - (1) A health insurance policy under which coverage is purchased...

Part VII - Group, Blanket, and Franchise Health Insurance Policies (Ss. 627.651-627.66997)

627.651 - Group contracts and plans of self-insurance must meet group requirements. - (1) Except as otherwise provided by law, a group health...

627.6512 - Exemption of certain group health insurance policies. - History.—s. 7, ch. 97-179; s. 14, ch. 2016-194.

627.6513 - Scope. - (1) Coverage only for accident insurance, or disability income insurance,...

627.6515 - Out-of-state groups. - (1) Any group health insurance policy issued or delivered outside...

627.6516 - Trustee groups. - (1) A policy may not be issued: (a) To insure...

627.652 - Group health insurance; definitions. - (1) Group health insurance is that form of health insurance...

627.6525 - Short-term health insurance. - (1) For purposes of this part, the term “short-term health...

627.653 - Employee groups. - (1)(a) A group of individual employees of an employer, or...

627.654 - Labor union, association, and small employer health alliance groups. - (1)(a) A bona fide group or association of employers, as...

627.655 - Debtor groups. - (1) Credit disability insurance as defined in s. 627.677. The...

627.6551 - Teacher and student groups. - History.—ss. 6, 7, ch. 89-190; s. 114, ch. 92-318.

627.656 - Additional groups. - (1) A group of individuals, other than the groups defined...

627.6561 - Preexisting conditions. - (1) As used in this section, the term: (a) “Enrollment...

627.65612 - Limit on preexisting conditions. - (1) As used in this section, the terms “operative date”...

627.65615 - Special enrollment periods. - (1) An insurer that issues a group health insurance policy...

627.6562 - Dependent coverage. - (1) If an insurer offers coverage under a group, blanket,...

627.65625 - Prohibiting discrimination against individual participants and beneficiaries based on health status. - (1) Subject to subsection (2), an insurer that offers a...

627.65626 - Insurance rebates for healthy lifestyles. - (1) Any rate, rating schedule, or rating manual for a...

627.6563 - Full-time employment defined. - History.—s. 132, ch. 92-33.

627.657 - Provisions of group health insurance policies. - (1) Each group health insurance policy shall contain in substance...

627.6571 - Guaranteed renewability of coverage. - (1) Except as otherwise provided in this section, an insurer...

627.6572 - Pharmacy benefit manager contracts. - (1) As used in this section, the term: (a) “Maximum...

627.65735 - Nondiscrimination of coverage for surgical procedures. - History.—s. 4, ch. 96-361.

627.65736 - Coverage for organ transplants. - History.—s. 3, ch. 2020-139.

627.6574 - Maternity care. - (1) Any group, blanket, or franchise policy of health insurance...

627.65745 - Diabetes treatment services. - (1) A health insurance policy or group health insurance policy...

627.6575 - Coverage for newborn children. - (1) Any group, blanket, or franchise health insurance policy providing...

627.65755 - Dental procedures; anesthesia and hospitalization coverage. - (1) Is under 8 years of age and is determined...

627.6577 - Dental care. - (1) Any employer, group, or organization that pays or contributes...

627.6578 - Coverage for natural-born, adopted, and foster children; children in insured’s custodial care. - (1) A group, blanket, or franchise health insurance policy that...

627.6579 - Coverage for child health supervision services. - (1) All group, blanket, or franchise health insurance policies providing...

627.658 - Use of dividends, refunds, rate reductions, commissions, service fees; premium rates. - (1) Section 627.569 also applies to group health insurance policies....

627.659 - Blanket health insurance; eligible groups. - (1) Under a policy or contract issued to any common...

627.660 - Conditions and provisions of blanket health insurance policies. - (1) An individual application shall not be required from a...

627.661 - School accident insurance claims; policy service. - History.—s. 4, ch. 65-10; s. 3, ch. 76-168; s. 1,...

627.6612 - Coverage for surgical procedures and devices incident to mastectomy. - (1) Any group, blanket, or franchise accident or health insurance...

627.66121 - Coverage for length of stay and outpatient postsurgical care. - (1) Any group, blanket, or franchise accident or health insurance...

627.66122 - Requirements with respect to breast cancer and routine followup care. - History.—s. 9, ch. 97-48.

627.6613 - Coverage for mammograms. - (1) A group, blanket, or franchise accident or health insurance...

627.6615 - Children with disabilities; continuation of coverage under group policy. - (1) A group health insurance policy or health care services...

627.6616 - Coverage for ambulatory surgical center service. - History.—s. 12, ch. 77-24; s. 2, ch. 81-318; ss. 26,...

627.6617 - Coverage for home health care services. - (1) Any group health insurance policy providing coverage on an...

627.6618 - Payment of acupuncture benefits to certified acupuncturists. - History.—ss. 2, 3, ch. 87-176; s. 114, ch. 92-318.

627.6619 - Massage. - History.—s. 67, ch. 92-318; s. 242, ch. 98-166; s. 18,...

627.662 - Other provisions applicable. - (1) Section 627.569, relating to use of dividends, refunds, rate...

627.6621 - Advanced practice registered nurse services. - History.—s. 29, ch. 2020-9.

627.663 - Franchise health insurance. - (1) “Franchise health insurance,” also known as “franchise group insurance,”...

627.664 - Assignment of incidents of ownership in group, blanket, or franchise health policies. - (1) No provision of the insurance code or any other...

627.6645 - Notification of cancellation, expiration, nonrenewal, or change in rates. - (1) Every insurer delivering or issuing for delivery a group...

627.6646 - Cancellation or nonrenewal prohibited. - History.—ss. 50, 53, ch. 88-380; s. 114, ch. 92-318.

627.6648 - Shared savings incentive program. - (1) This section and ss. 627.6387 and 641.31076 may be...

627.6651 - Replacement or termination of group, blanket, or franchise health policy or contract; liability of prior insurer. - History.—s. 4, ch. 75-279; s. 3, ch. 76-168; s. 1,...

627.666 - Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy. - (1) Each person who was covered by the prior insurer...

627.667 - Extension of benefits. - (1) Each group, blanket, or franchise policy or contract renewed,...

627.6675 - Conversion on termination of eligibility. - (1) TIME LIMIT.—Written application for the converted policy shall be...

627.668 - Optional coverage for mental and nervous disorders required; exception. - (1) Every insurer, health maintenance organization, and nonprofit hospital and...

627.6686 - Coverage for individuals with autism spectrum disorder required; exception. - (1) This section and s. 641.31098 may be cited as...

627.669 - Optional coverage required for substance abuse impaired persons; exception. - (1) Insurers, health maintenance organizations, and nonprofit health care services...

627.6691 - Coverage for osteoporosis screening, diagnosis, treatment, and management. - History.—s. 3, ch. 96-282.

627.66911 - Required coverage for cleft lip and cleft palate. - History.—s. 3, ch. 98-66.

627.6692 - Florida Health Insurance Coverage Continuation Act. - (1) SHORT TITLE.—This section may be cited as the “Florida...

627.6698 - Attorney’s fees. - (1) Upon the rendition of a judgment by any of...

627.6699 - Employee Health Care Access Act. - (1) SHORT TITLE.—This section may be cited as the “Employee...

627.66996 - Restrictions on use of state and federal funds for state exchanges. - (1) A group, franchise, or blanket health insurance policy under...

627.66997 - Stop-loss insurance. - (1) A self-insured health benefit plan established or maintained by...

Part VIII - Medicare Supplement Policies (Ss. 627.671-627.675)

627.671 - Medicare supplement reform; short title. - History.—s. 4, ch. 80-156; s. 2, ch. 81-318; ss. 527,...

627.672 - Definitions. - (1) A “Medicare supplement policy” is a health insurance policy...

627.673 - Designation as Medicare supplement policy; penalties for violations. - (1) An individual, group, blanket, or franchise health insurance policy...

627.6735 - Order to discontinue certain advertising. - History.—ss. 6, 7, ch. 86-271; s. 93, ch. 89-360; s....

627.6736 - Filing requirements for out-of-state group policies. - History.—s. 3, ch. 88-338; s. 1, ch. 89-296; s. 2,...

627.6737 - Reporting of multiple policies. - (1) On or before March 1, every insurer or other...

627.674 - Minimum standards; filing requirements. - (1) An insurance policy or subscriber contract may not be...

627.6741 - Issuance, cancellation, nonrenewal, and replacement. - (1)(a) An insurer issuing Medicare supplement policies in this state...

627.6742 - Permitted compensation arrangements. - (1) The commission shall adopt rules governing the permitted compensation...

627.6743 - Standards for marketing. - (1) Every insurer, health care service plan, or other entity...

627.6744 - Recommended purchase and excessive insurance. - (1) Medicare supplement insurance may not be issued or sold,...

627.6745 - Loss ratio standards; public rate hearings. - (1) Medicare supplement policies shall return the following to policyholders...

627.6746 - Compliance with Omnibus Budget Reconciliation Acts. - History.—s. 96, ch. 89-360; s. 1, ch. 90-192; s. 18,...

627.675 - Mandated coverages inapplicable to Medicare supplement policies unless specifically made applicable. - History.—s. 8, ch. 80-156; s. 2, ch. 81-318; ss. 527,...

Part IX - Credit Life and Disability Insurances (Ss. 627.676-627.6845)

627.676 - Scope of this part. - History.—s. 595, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.677 - Definitions. - (1) “Credit life insurance” means insurance on the life of...

627.678 - Rules. - (1) For the effective protection of the public interest, the...

627.6785 - Filing of rates with department. - (1) Credit disability and credit life insurers shall file with...

627.679 - Amount of insurance; disclosure. - (1)(a) The amount of credit life insurance written under one...

627.681 - Term and evidence of insurance. - (1) The term of credit life insurance coverages shall not...

627.682 - Filing, approval of forms. - History.—s. 601, ch. 59-205; ss. 13, 35, ch. 69-106; s....

627.683 - Licensed agent required. - History.—s. 602, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.684 - Premium not deemed loan or finance charge. - History.—s. 603, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.6841 - Credit insurance consolidations; general requirements. - (1) The offer of new coverage must be made on...

627.6842 - Group-to-group consolidations. - (1) A signed application need not be obtained if all...

627.6843 - Consolidation disclosure requirements. - (1) In conjunction with any offer of new coverage made...

627.6844 - Replacement rules. - History.—s. 76, ch. 92-318; s. 1181, ch. 2003-261.

627.6845 - Policy forms used in connection with consolidations. - History.—s. 77, ch. 92-318; s. 1182, ch. 2003-261.

Part X - Property Insurance Contracts (Ss. 627.701-627.7154)

627.701 - Liability of insureds; coinsurance; deductibles. - (1) A property insurer may issue an insurance policy or...

627.7011 - Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. - (1) Prior to issuing a homeowner’s insurance policy, the insurer...

627.70121 - Payment of claims for dual interest property. - History.—s. 22, ch. 2006-12.

627.70131 - Insurer’s duty to acknowledge communications regarding claims; investigation. - (1)(a) Upon an insurer’s receiving a communication with respect to...

627.70132 - Notice of property insurance claim. - (1) As used in this section, the term: (a) “Reopened...

627.7015 - Alternative procedure for resolution of disputed property insurance claims. - (1) This section sets forth a nonadversarial alternative dispute resolution...

627.70151 - Appraisal; conflicts of interest. - (1) A familial relationship within the third degree exists between...

627.70152 - Suits arising under a property insurance policy. - (1) APPLICATION.—This section applies exclusively to all suits not brought...

627.70153 - Consolidation of residential property insurance actions. - History.—s. 13, ch. 2021-77.

627.7016 - Insurer contracts with building contractors. - History.—s. 15, ch. 96-194.

627.70161 - Family day care insurance. - (1) PURPOSE AND INTENT.—The Legislature recognizes that family day care...

627.7017 - Hurricane loss mitigation projects. - History.—s. 16, ch. 96-194; s. 1187, ch. 2003-261.

627.7018 - Standards for determining risk of coverage. - History.—s. 29, ch. 2007-1.

627.7019 - Standardization of requirements applicable to insurers after natural disasters. - (1) The commission shall adopt by rule, pursuant to s....

627.702 - Valued policy law. - (1)(a) In the event of the total loss of any...

627.705 - Return of unearned premium on overinsured personal property. - History.—s. 609, ch. 59-205; s. 3, ch. 76-168; s. 1,...

627.706 - Sinkhole insurance; catastrophic ground cover collapse; definitions. - (1)(a) Every insurer authorized to transact property insurance in this...

627.7061 - Coverage inquiries. - History.—s. 78, ch. 92-318; s. 23, ch. 2011-39.

627.7063 - Building code effectiveness grading schedule. - (1) As used in this section, the term “sinkhole loss...

627.707 - Investigation of sinkhole claims; insurer payment; nonrenewals. - (1) The insurer must inspect the policyholder’s premises to determine...

627.7072 - Testing standards for sinkholes. - History.—s. 20, ch. 2005-111; s. 27, ch. 2006-12.

627.7073 - Sinkhole reports. - (1) Upon completion of testing as provided in s. 627.7072,...

627.7074 - Alternative procedure for resolution of disputed sinkhole insurance claims. - (1) The department shall: (a) Certify and maintain a list...

627.711 - Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form. - (1) Using a form prescribed by the Office of Insurance...

627.712 - Residential windstorm coverage required; availability of exclusions for windstorm or contents. - (1) An insurer issuing a residential property insurance policy must...

627.713 - Report of hurricane loss data. - (1) Number of claims. (2) Amount of claim payments made....

627.714 - Residential condominium unit owner coverage; loss assessment coverage required. - (1) For policies issued or renewed on or after July...

627.7142 - Homeowner Claims Bill of Rights. - HOMEOWNER CLAIMSBILL OF RIGHTS This Bill of Rights is specific...

627.715 - Flood insurance. - (1)(a) Except for excess flood insurance policies, policies issued under...

627.7151 - Limited sinkhole coverage insurance. - (1) An authorized insurer may issue, but is not required...

627.7152 - Assignment agreements. - (1) As used in this section, the term: (a) “Assignee”...

627.7153 - Policies restricting assignment of post-loss benefits under a property insurance policy. - (1) As used in this section, the term “assignment agreement”...

627.7154 - Property Insurer Stability Unit; duties and required reports. - (1) The Property Insurer Stability Unit is created within the...

Part XI - Motor Vehicle and Casualty Insurance Contracts (Ss. 627.7261-627.7491)

627.7261 - Refusal to issue policy. - (1) An insurer may not deny an application for automobile...

627.7263 - Rental and leasing driver’s insurance to be primary; exception. - (1) The valid and collectible liability insurance or personal injury...

627.727 - Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection. - (1) No motor vehicle liability insurance policy which provides bodily...

627.7275 - Motor vehicle liability. - (1) A motor vehicle insurance policy providing personal injury protection...

627.7276 - Notice of limited coverage. - (1) An automobile policy that does not contain coverage for...

627.7277 - Notice of renewal premium. - (1) As used in this section, the terms “policy” and...

627.728 - Cancellations; nonrenewals. - (1) As used in this section, the term: (a) “Policy”...

627.7281 - Cancellation notice. - History.—ss. 546, 809(2nd), ch. 82-243; ss. 67, 79, ch. 82-386;...

627.7282 - Notice of additional premium; cancellation upon nonpayment. - (1) Upon a determination by an insurer that, in accordance...

627.7283 - Cancellation; return of unearned premium. - (1) If the insured cancels a policy of motor vehicle...

627.7285 - Experience while operating a train. - History.—s. 1, ch. 78-50; s. 2, ch. 81-318; ss. 563,...

627.7286 - Renewal of policy and setting of rates; certain experience not a factor. - History.—s. 1, ch. 78-75; ss. 1, 2, ch. 79-389; ss....

627.7288 - Comprehensive coverage; deductible not to apply to motor vehicle glass. - History.—s. 1, ch. 79-241; s. 2, ch. 81-318; ss. 547,...

627.7295 - Motor vehicle insurance contracts. - (1) As used in this section, the term: (a) “Policy”...

627.72951 - Temporary binding permitted. - History.—s. 6, ch. 97-178.

627.730 - Florida Motor Vehicle No-Fault Law. - History.—s. 1, ch. 71-252; s. 3, ch. 76-168; s. 1,...

627.731 - Purpose. - History.—s. 2, ch. 71-252; s. 3, ch. 76-168; s. 1,...

627.7311 - Effect of law on personal injury protection policies. - History.—s. 8, ch. 2012-197.

627.732 - Definitions. - (1) “Broker” means any person not possessing a license under...

627.733 - Required security. - (1)(a) Every owner or registrant of a motor vehicle, other...

627.734 - Proof of security; security requirements; penalties. - (1) The provisions of chapter 324 which pertain to the...

627.736 - Required personal injury protection benefits; exclusions; priority; claims. - (1) REQUIRED BENEFITS.—An insurance policy complying with the security requirements...

627.737 - Tort exemption; limitation on right to damages; punitive damages. - (1) Every owner, registrant, operator, or occupant of a motor...

627.739 - Personal injury protection; optional limitations; deductibles. - (1) The named insured may elect a deductible or modified...

627.7401 - Notification of insured’s rights. - (1) The commission, by rule, shall adopt a form for...

627.7403 - Mandatory joinder of derivative claim. - History.—s. 38, ch. 77-468; s. 2, ch. 81-318; s. 563,...

627.7405 - Insurers’ right of reimbursement. - (1) Notwithstanding ss. 627.730-627.7405, an insurer providing personal injury protection...

627.7407 - Application of the Florida Motor Vehicle No-Fault Law. - (1) Any person subject to the requirements of ss. 627.730-627.7405,...

627.7415 - Commercial motor vehicles; additional liability insurance coverage. - (1) Fifty thousand dollars per occurrence for a commercial motor...

627.742 - Nonpublic sector buses; additional liability insurance coverage. - (1) In addition to any other insurance requirements, each nonpublic...

627.743 - Payment of third-party claims. - (1) Before making any payment on a claim for damage...

627.744 - Preinsurance inspection of private passenger motor vehicles. - (1) A private passenger motor vehicle insurance policy providing physical...

627.745 - Mediation of claims. - (1)(a) In any claim filed with an insurer for personal...

627.746 - Coverage for minors who have a learner’s driver license; additional premium prohibited. - History.—s. 2, ch. 2001-83; s. 27, ch. 2018-103; s. 97,...

627.747 - Named driver exclusion. - (1) A private passenger motor vehicle policy may exclude the...

627.748 - Transportation network companies. - (1) DEFINITIONS.—As used in this section, the term: (a) “Digital...

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Florida Statutes Title XXXVII - Insurance Chapter 627 - Insurance Rates and Contracts

Florida Statutes
Title XXXVII - Insurance
Chapter 627 - Insurance Rates and Contracts