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Florida Statutes, Title XXXVII

Florida/Statutes

← All Florida coverage

Title XXXVII, Insurance

19 chapters · 2,278 sections in this title.

All chapters in Title XXXVII2,278 Ch 627, Insurance Rates and Contracts626 Ch 626, Insurance Field Representatives and …368 Ch 624, Insurance Code: Administration and G…222 Ch 641, Health Care Service Programs165 Ch 634, Warranty Associations154 Ch 631, Insurer Insolvency; Guaranty of Payment150 Ch 628, Stock and Mutual Insurers; Holding C…100 Ch 633, Fire Prevention and Control89 Ch 636, Prepaid Limited Health Service Organ…79 Ch 625, Accounting, Investments, and Deposit…78 Ch 651, Continuing Care Contracts54 Ch 648, Bail Bond Agents49 Ch 629, Reciprocal Insurers35 Ch 632, Fraternal Benefit Societies35

2,278 sections·Filtered byTitle XXXVII✕

Fla. Stat. § 627.4085 Insurer name, agent name, and license identification number required on application
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(1) All applications for an insurance policy or annuity contract shall prominently display the name of the insuring entity on the first page of the application form at the time the coverage is bound or premium is quoted. Such applications shall also disclose the name and license …
Fla. Stat. § 627.409 Representations in applications; warranties
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(1) Any statement or description made by or on behalf of an insured or annuitant in an application for an insurance policy or annuity contract, or in negotiations for a policy or contract, is a representation and not a warranty. Except as provided in subsection (3), a misrepresen…
Fla. Stat. § 627.4091 Specific reasons for denial, cancellation, or nonrenewal
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(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 …
Fla. Stat. § 627.40951 Standard personal lines residential insurance policy
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Showing 751–800 of 2,278

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The Legislature finds that many consumers who filed property loss claims as a result of the hurricanes that struck this state in 2004 were inadequately insured due to the difficulty consumers encounter in trying to understand the complex nature of property insurance policies. The…

Fla. Stat. § 627.40952 Savings reflections in residential property and motor vehicle insurer rate filings related to specified chapter laws

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(1) Every residential property insurer and every motor vehicle insurer rate filing made or pending with the Office of Insurance Regulation on or after July 1, 2023, must reflect the projected savings or reduction in claim frequency, claim severity, and loss adjustment expenses, i…

Fla. Stat. § 627.410 Filing, approval of forms

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1(1) A basic insurance policy or annuity contract form, or application form where written application is required and is to be made a part of the policy or contract, group certificates issued under a master contract delivered in this state, or printed rider or endorsement form or…

Fla. Stat. § 627.4101 Credit insurance enrollment forms

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All credit insurance enrollment forms must be approved by the office pursuant to the provisions of s. 627.410 or s. 627.682.History.—s. 11, ch. 2002-57; s. 1113, ch. 2003-261.

Fla. Stat. § 627.4102 Informational filing of forms

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(1) Property and casualty forms, except workers’ compensation and personal lines forms, are exempt from the approval process required under s. 627.410 if:(a) The form has been electronically submitted to the office in an informational filing made through I-File 30 days before the…

Fla. Stat. § 627.4105 Life and health insurance; reduced premiums upon rigorous physical examination

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Upon request, the office may approve special life and health insurance policy forms providing for reduced premiums for each applicant passing a rigorous physical examination.History.—s. 1, ch. 78-248; s. 2, ch. 81-318; ss. 365, 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114…

Fla. Stat. § 627.4107 Government employees exposed to toxic drug chemicals; cancellation of life or health policy or certificate prohibited

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No life or health insurer may cancel or nonrenew a life or health insurance policy or certificate of insurance providing coverage to a state or local law enforcement officer as defined in s. 943.10, firefighter as defined in s. 633.102, emergency medical technician as defined in …

Fla. Stat. § 627.4108 Claims-handling manuals; submission; attestation

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(1) Each authorized residential property insurer conducting business in this state must create and use a claims-handling manual that provides guidelines and procedures and that complies with the requirements of this code and, at a minimum, comports to usual and customary industry…

Fla. Stat. § 627.411 Grounds for disapproval

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(1) The office shall disapprove any form filed under s. 627.410, or withdraw any previous approval thereof, only if the form:(a) Is in any respect in violation of, or does not comply with, this code.(b) Contains or incorporates by reference, where such incorporation is otherwise …

Fla. Stat. § 627.412 Standard provisions, in general

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(1) Insurance contracts shall contain such standard or uniform provisions as are required by the applicable provisions of this code pertaining to contracts of particular kinds of insurance. The office may waive the required use of a particular provision in a particular insurance …

Fla. Stat. § 627.413 Contents of policies, in general; identification

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(1) Every policy shall specify:(a) The names of the parties to the contract.(b) The subject of the insurance.(c) The risks insured against.(d) The time when the insurance thereunder takes effect and the period during which the insurance is to continue.(e) The premium.(f) The cond…

Fla. Stat. § 627.4131 Telephone number required

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Each insurer issuing a policy subject to this part, or issuing a policy of title insurance, credit life insurance, or credit disability insurance in this state, must make a telephone number available for policyholders and certificateholders to present inquiries or obtain informat…

Fla. Stat. § 627.4132 Stacking of coverages prohibited

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If an insured or named insured is protected by any type of motor vehicle insurance policy for liability, personal injury protection, or other coverage, the policy shall provide that the insured or named insured is protected only to the extent of the coverage she or he has on the …

Fla. Stat. § 627.4133 Notice of cancellation, nonrenewal, or renewal premium

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(1) Except as provided in subsection (2):(a) An insurer issuing a policy providing coverage for workers’ compensation and employer’s liability insurance, property, casualty, except mortgage guaranty, surety, or marine insurance, other than motor vehicle insurance subject to s. 62…

Fla. Stat. § 627.4135 Casualty insurance contracts subject to general provisions for insurance contracts

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All contracts of casualty insurance covering subjects resident, located, or to be performed in this state shall be subject to the applicable provisions of this part and to the other applicable provisions of this code.History.—s. 610, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457…

Fla. Stat. § 627.4136 Nonjoinder of insurers

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(1) It shall be a condition precedent to the accrual or maintenance of a cause of action against a liability insurer by a person not an insured under the terms of the liability insurance contract that such person shall first obtain a settlement or verdict against a person who is …

Fla. Stat. § 627.4137 Disclosure of certain information required

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(1) Each insurer which does or may provide liability insurance coverage to pay all or a portion of any claim which might be made shall provide, within 30 days of the written request of the claimant, a statement, under oath, of a corporate officer or the insurer’s claims manager o…

Fla. Stat. § 627.4138 Wrap-up insurance policies for nonpublic construction projects

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(1) As used in this section, the term:(a) “Specified contracted worksite” means construction being performed during one or more policy years at one site or multiple sites of the same construction project.(b) “Wrap-up insurance policy” means a consolidated insurance program or ser…

Fla. Stat. § 627.414 Additional policy contents

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A policy may contain additional provisions not inconsistent with this code and which are:(1) Required to be inserted by the laws of the insurer’s domicile;(2) Necessary, on account of the manner in which the insurer is constituted or operated, in order to state the rights and obl…

Fla. Stat. § 627.4143 Outline of coverage

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(1) No private passenger automobile or basic homeowner policy shall be delivered or issued for delivery in this state unless an appropriate outline of coverage has been delivered prior to issuance of the policy or accompanies the policy when issued.(2) The outline of coverage for…

Fla. Stat. § 627.4145 Readable language in insurance policies

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(1) Every policy shall be readable as required by this section. For the purposes of this section, the term “policy” means a policy form or endorsement. A policy is deemed readable if:(a) The text achieves a minimum score of 45 on the Flesch reading ease test as computed in subsec…

Fla. Stat. § 627.4147 Medical malpractice insurance contracts

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(1) In addition to any other requirements imposed by law, each self-insurance policy as authorized under s. 627.357 or s. 624.462 or insurance policy providing coverage for claims arising out of the rendering of, or the failure to render, medical care or services, including those…

Fla. Stat. § 627.4148 Medical malpractice insurers; required offer of coverage limits

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An insurer issuing policies of professional liability coverage for claims arising out of the rendering of, or the failure to render, medical care or services shall make available to physicians licensed under chapter 458 and to osteopathic physicians licensed under chapter 459 cov…

Fla. Stat. § 627.41495 Public notice of medical malpractice rate filings

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(1) Upon the filing of a proposed rate change by a medical malpractice insurer or self-insurance fund, which filing would result in an average statewide increase of 25 percent or more, pursuant to standards determined by the office, the insurer or self-insurance fund shall mail n…

Fla. Stat. § 627.415 Charter, bylaw provisions

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No policy shall contain any provision purporting to make any portion of the charter, bylaws, or other constituent document of the insurer (other than the subscribers’ agreement or power of attorney of a reciprocal insurer) a part of the contract unless such portion is set forth i…

Fla. Stat. § 627.416 Execution of policies

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(1) Except as set forth in subsection (4), an insurance policy shall be executed in the name of and on behalf of the insurer by its officer, attorney in fact, employee, or representative duly authorized by the insurer.(2) A facsimile signature of any such executing individual may…

Fla. Stat. § 627.417 Underwriters’ and combination policies

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(1) Two or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriters’ policy bearing their names. Any one insurer may issue a policy in the name of an underwriter’s department, and such policy shall plainly show the true name of the…

Fla. Stat. § 627.418 Validity of noncomplying contracts

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(1) Any insurance policy, rider, or endorsement otherwise valid which contains any condition or provision not in compliance with the requirements of this code shall not be thereby rendered invalid, except as provided in s. 627.415, but shall be construed and applied in accordance…

Fla. Stat. § 627.419 Construction of policies

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(1) Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended, or modified by any application therefor or any rider or endorsement thereto.(2) The word “physician” or “medical doctor,” w…

Fla. Stat. § 627.4195 Health insurance; claims for payment of psychotherapeutic services; confidentiality

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An insurer must maintain strict confidentiality against unauthorized or inadvertent disclosure of confidential information to persons inside or outside the insurer’s organization regarding claims for payment of psychotherapeutic services provided by psychotherapists licensed unde…

Fla. Stat. § 627.420 Binders

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Binders or other contracts for temporary property, marine, casualty, or surety insurance may be made orally or in writing, and shall be deemed to include all the usual terms of the policy as to which the binder was given together with such applicable endorsements as are designate…

Fla. Stat. § 627.4205 Coverage identification number required

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An insurer shall provide to the named insured a coverage identification number no later than the time insurance coverage under a policy, binder, or other contract providing any insurance or surety coverage becomes effective. The coverage identification number shall be construed f…

Fla. Stat. § 627.421 Delivery of policy

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(1) Subject to the insurer’s requirement as to payment of premium, every policy shall be mailed, delivered, or electronically transmitted to the insured or to the person entitled thereto not later than 60 days after the effectuation of coverage. Notwithstanding any other provisio…

Fla. Stat. § 627.4215 Disclosures to policyholders; coverage of behavioral health care services

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(1) A health insurer that offers behavioral health insurance coverages required by federal or state law shall make all of the following information available on its website:(a) The federal and state requirements for coverage of behavioral health care services.(b) Contact informat…

Fla. Stat. § 627.422 Assignment of policies or post-loss benefits

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A policy may be assignable, or not assignable, as provided by its terms. Any such assignment shall entitle the insurer to deal with the assignee as the owner or pledgee of the policy in accordance with the terms of the assignment, until the insurer has received at its home office…

Fla. Stat. § 627.423 Payment discharges insurer

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Whenever the proceeds of or payments under a life or health insurance policy or annuity contract become payable in accordance with the terms of such policy or contract, or the exercise of any right or privilege thereunder, and the insurer makes payment thereof in accordance with …

Fla. Stat. § 627.4232 Health insurance out-of-hospital benefits

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No health insurance policy which provides coverage on a medical, hospital, or surgical expense-incurred basis shall be delivered or issued for delivery in this state unless coverage is provided for treatment performed outside a hospital for any accident or illness as defined in t…

Fla. Stat. § 627.4233 Total disability defined

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(1) If an individual or group policy of disability income insurance provides for the waiver of premiums or payment of claims upon total disability:(a) The policy must, at a minimum, provide that for the first 12 months of the disability, a person is totally disabled if the person…

Fla. Stat. § 627.4234 Health insurance cost containment provisions required

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A health insurance policy or health care services plan which provides medical, hospital, or surgical expense coverage delivered or issued for delivery in this state must contain one or more of the following procedures or provisions to contain health insurance costs or cost increa…

Fla. Stat. § 627.4235 Coordination of benefits

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(1) A group hospital, medical, or surgical expense policy, group health care services plan, or group-type self-insurance plan that provides protection or insurance against hospital, medical, or surgical expenses delivered or issued for delivery in this state must contain a provis…

Fla. Stat. § 627.4236 Coverage for bone marrow transplant procedures

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(1) As used in this section, the term “bone marrow transplant” means human blood precursor cells administered to a patient to restore normal hematological and immunological functions following ablative or nonablative therapy with curative or life-prolonging intent. Human blood pr…

Fla. Stat. § 627.4237 Sickness disability or disability due to sickness

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Notwithstanding any provision of law to the contrary, the term “sickness disability” or “disability due to sickness,” as used in individual or group disability insurance policies 1issued in this state on or after October 1, 1992, includes any restriction of a health care practiti…

Fla. Stat. § 627.4238 Health insurer examinations

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The office may examine each authorized health insurer which transacts health insurance in this state. The purpose of the examination is to ascertain compliance by the insurer with the applicable provisions of this chapter. In lieu of the examination, the office may accept the rep…

Fla. Stat. § 627.4239 Coverage for use of drugs in treatment of cancer

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(1) DEFINITIONS.—As used in this section, the term:(a) “Medical literature” means scientific studies published in a United States peer-reviewed national professional journal.(b) “Standard reference compendium” means authoritative compendia identified by the Secretary of the Unite…

Fla. Stat. § 627.42391 Insurance policies; cancer treatment parity; orally administered cancer treatment medications

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(1) As used in this section, the term:(a) “Cancer treatment medication” means medication prescribed by a treating physician who determines that the medication is medically necessary to kill or slow the growth of cancerous cells in a manner consistent with nationally accepted stan…

Fla. Stat. § 627.42392 Prior authorization

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(1) As used in this section, the term “health insurer” means an authorized insurer offering health insurance as defined in s. 624.603, a managed care plan as defined in s. 409.962(10), or a health maintenance organization as defined in s. 641.19(12).(2) Notwithstanding any other …

Fla. Stat. § 627.42393 Step-therapy protocol

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(1) As used in this section, the term:(a) “Health coverage plan” means any of the following which is currently or was previously providing major medical or similar comprehensive coverage or benefits to the insured:1. A health insurer or health maintenance organization.2. A plan e…