{"id":2263,"date":"2021-05-07T15:39:02","date_gmt":"2021-05-07T15:39:02","guid":{"rendered":"https:\/\/www.homeinsuranceking.com\/blog\/?p=2263"},"modified":"2021-05-07T15:39:04","modified_gmt":"2021-05-07T15:39:04","slug":"florida-auto-and-home-insurance-2-major-changes","status":"publish","type":"post","link":"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/","title":{"rendered":"Florida Auto and Home Insurance: 2 Major Changes"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"681\" src=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2021\/05\/florida-home-auto-insurance-market.jpg\" alt=\"\" class=\"wp-image-2264\" srcset=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2021\/05\/florida-home-auto-insurance-market.jpg 1000w, https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2021\/05\/florida-home-auto-insurance-market-600x409.jpg 600w, https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2021\/05\/florida-home-auto-insurance-market-768x523.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Recently, Florida lawmakers passed two bills that will make major changes to the auto and homeowners insurance markets in the state. The bills will now be sent to Governor Ron DeSantis, who must sign them before they become law.<\/p>\n\n\n\n<p>Here is a quick breakdown of both bills and how they will impact insurance in Florida:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Senate Bill 76<\/strong><\/h2>\n\n\n\n<p>This bill addresses some of the issues affecting the state\u2019s homeowners insurance market. Last year, insurers in the state lost over $1.5 billion. The bill passed in the Senate by a vote of 35 to 5 and 75 to 41 in the House.<\/p>\n\n\n\n<p>During its time in the legislature, the bill was revised significantly from the original wording. The bill includes the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Changing the eligibility, rate glidepath and actuarily sound rate indication for Citizens Property Insurance Corp.<\/li><li>Replaces the one-way attorney fee-statute which will make the recovery of attorney fees and costs contingent on obtaining a judgment for indemnity that exceeds the pre-suit offer made by the insurance company.<\/li><li>Reduces the claims deadline on all claims down to two years from the date of loss. There is an exception for on supplemental claims which will have an additional year.<\/li><li>Requires plaintiffs to file a pre-suit demand at least 10 days before filing an actual lawsuit against an insurer. The demand must include an estimate of the demand, the attorney fees and costs demanded as well as the amount in dispute. It also disallows pre-suit notices to be filed before the insurance company makes a determination of coverage; and allows an insurer to require mediation or other form of alternative dispute resolution after receiving notice.<\/li><\/ul>\n\n\n\n<p>The bill also addresses issues related to roofing claims which have exploded in the state in recent years. Changes include:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Would make it illegal for roofing contractors or any person acting on their behalf to make a \u201cprohibited advertisement,\u201d including an electronic communication, phone call or document that solicits a claim.<\/li><li>Prohibits roofing companies or independent adjusters from offering anything of value for performing a roof inspection, or from offering to interpret an insurance policy or file a claim or adjust the claim on the insured\u2019s behalf.<\/li><li>Prohibits a contractor from issuing a contract for repairs that does not include a detailed cost estimate of the labor and materials required to complete the repairs.<\/li><\/ul>\n\n\n\n<p>If a roofer or other person representing a roofing company is found in violation of these restrictions, they could face a potential fine of $10,000 fine for each violation.<\/p>\n\n\n\n<p>Some earlier restrictions were removed from the final version of the bill. The following didn\u2019t make the cut:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Elimination of the state\u2019s attorney fee multiplier<\/li><li>Allowing insurers to sell policies that offers actual cash value instead of full replacement cost on roofs<\/li><\/ul>\n\n\n\n<p>If the bill is signed by DeSantis, it will go into effect July 1, 2021.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Senate Bill 54<\/strong><\/h2>\n\n\n\n<p>This bill deals with car insurance and repeals the no-fault personal injury protection (PIP) system in the state. It will be replaced with a mandatory bodily injury requirement starting at $25,000 for all drivers in the state of Florida.<\/p>\n\n\n\n<p>An early version of the bill also required insurers to offer medical payments coverage (MedPay) in the amount of $5,000 or $10,000. This was removed and the passed version of the bill makes offering this coverage optional and includes an optional $5,000 MedPay death benefit.<\/p>\n\n\n\n<p>This law will go into effect on Jan. 1, 2022 if signed by DeSantis.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recently, Florida lawmakers passed two bills that will make major changes to the auto and homeowners insurance markets in the state. The bills will now be sent to Governor Ron DeSantis, who must sign them before they become law. Here is a quick breakdown of both bills and how they will impact insurance in Florida: [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,36,3],"tags":[802,39,794],"class_list":["post-2263","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","category-florida","category-news","tag-florida-auto-insurance","tag-florida-home-insurance","tag-florida-lawmakers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Florida Auto and Home Insurance: 2 Major Changes - Homeowners Insurance Blog<\/title>\n<meta name=\"description\" content=\"Recently, Florida lawmakers passed two bills that will make major changes to the auto and homeowners insurance markets in the state. The bills will now be\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Florida Auto and Home Insurance: 2 Major Changes - Homeowners Insurance Blog\" \/>\n<meta property=\"og:description\" content=\"Recently, Florida lawmakers passed two bills that will make major changes to the auto and homeowners insurance markets in the state. The bills will now be\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/\" \/>\n<meta property=\"og:site_name\" content=\"Homeowners Insurance Blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-07T15:39:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-05-07T15:39:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2021\/05\/florida-home-auto-insurance-market.jpg\" \/>\n<meta name=\"author\" content=\"Mark Vallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Vallet\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/\"},\"author\":{\"name\":\"Mark Vallet\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#\/schema\/person\/518325eb863e9298eb42f364afec45e8\"},\"headline\":\"Florida Auto and Home Insurance: 2 Major Changes\",\"datePublished\":\"2021-05-07T15:39:02+00:00\",\"dateModified\":\"2021-05-07T15:39:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/\"},\"wordCount\":568,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2021\/05\/florida-home-auto-insurance-market.jpg\",\"keywords\":[\"florida auto insurance\",\"florida home insurance\",\"florida lawmakers\"],\"articleSection\":[\"Auto Insurance\",\"Florida\",\"News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/\",\"url\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/\",\"name\":\"Florida Auto and Home Insurance: 2 Major Changes - Homeowners Insurance Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/florida-auto-and-home-insurance-2-major-changes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2021\/05\/florida-home-auto-insurance-market.jpg\",\"datePublished\":\"2021-05-07T15:39:02+00:00\",\"dateModified\":\"2021-05-07T15:39:04+00:00\",\"description\":\"Recently, Florida lawmakers passed two bills that will make major changes to the auto and homeowners insurance markets in the state. 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