The Florida statutes and rules a property claim runs on.
Every statute and administrative rule below governs property insurance claims, insurance companies, or the adjusters who handle them. Each one is listed by its number and its official title and links to the State of Florida’s own page for it. Public information, gathered in one place.
The list, and where the official text lives.
Florida’s insurance statutes and administrative rules are public records. Anyone can read them, free, on the state’s own websites. What is hard is knowing which ones apply to a property claim, because they are spread across several chapters and nobody hands you a list.
So this is the list. Every entry below is the section number and its official title as published by the State of Florida, linked to the state’s own page for that section. The statutes go to Online Sunshine at leg.state.fl.us/statutes, the Legislature’s own site, which always shows the current version rather than a fixed year; the administrative rules go to the Florida Administrative Code at flrules.org.
Statutes are amended most years. Read the section at the link rather than relying on a copy anywhere else, this site included.
Claim communications and reporting requirements.
- §627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation.
- §627.70132 Notice of property insurance claim.
- §627.7019 Standardization of requirements applicable to insurers after natural disasters.
Mediation, appraisal, binding arbitration and suit.
- §624.155 Civil remedy.
- §624.1551 Civil remedy actions against property insurers.
- §627.7015 Alternative procedure for resolution of disputed property insurance claims.
Referred to in §627.70154(4).
- §627.70151 Appraisal; conflicts of interest.
- §627.70152 Suits arising under a property insurance policy.
- §627.70153 Consolidation of residential property insurance actions.
- §627.70154 Mandatory binding arbitration.
Subsection (4) refers to §627.7015.
Policyholder and homeowner rights, and certain required coverages.
- §626.9641 Policyholders, bill of rights.
- §627.4025 Residential coverage and hurricane coverage defined.
- §627.701 Liability of insureds; coinsurance; deductibles.
- §627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.
- §627.70121 Payment of claims for dual interest property.
- §627.702 Valued policy law.
- §627.711 Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form.
- §627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents.
- §627.714 Residential condominium unit owner coverage; loss assessment coverage required.
- §627.7142 Homeowner Claims Bill of Rights.
- §627.715 Flood insurance.
- §627.7152 Assignment agreements.
- §627.7153 Policies restricting assignment of post-loss benefits under a property insurance policy.
- §627.7155 Wind and flood coverage in residential and commercial property insurance policies.
When the company that wrote the policy fails.
- §631.57 Powers and duties of the association.
Unfair methods of competition and unfair or deceptive acts.
- §626.9521 Unfair methods of competition and unfair or deceptive acts or practices prohibited; penalties.
- §626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined.
- §626.9744 Claim settlement practices relating to property insurance.
- §627.4091 Specific reasons for denial, cancellation, or nonrenewal.
Licensing, conduct and compensation.
- §626.854 “Public adjuster” defined; prohibitions.
- §626.8548 “All-lines adjuster” defined.
- §626.855 “Independent adjuster” defined.
- §626.856 “Company employee adjuster” defined.
- §626.8561 “Public adjuster apprentice” defined.
- §626.860 Attorneys at law; exemption.
- §626.864 Adjuster license types.
- §626.865 Public adjuster’s qualifications, bond.
- §626.8651 Public adjuster apprentice appointment; qualifications.
- §626.869 License, adjusters; continuing education.
- §626.8695 Primary adjuster.
- §626.8696 Application for adjusting firm license.
- §626.8697 Grounds for refusal, suspension, or revocation of adjusting firm license.
- §626.8698 Disciplinary guidelines for public adjusters and public adjuster apprentices.
- §626.874 Catastrophe or emergency adjusters.
- §626.875 Office and records.
- §626.876 Exclusive employment; public adjusters, all-lines adjusters.
- §626.877 Adjustments to comply with insurance contract and law.
- §626.878 Rules; code of ethics.
- §626.8795 Public adjusters; prohibition of conflict of interest.
- §626.8796 Public adjuster contracts; disclosure statement; fraud statement.
- §626.8797 Proof of loss; fraud statement.
Rules adopted by the Department of Financial Services.
- 69B-220.001 Licensure of Emergency Adjusters.
- 69B-220.051 Conduct of Public Adjusters and Public Adjuster Apprentices.
- 69B-220.201 Ethical Requirements.
Chapters 718, 719 and 720, and building safety.
Condominiums are governed by chapter 718, cooperatives by chapter 719 and homeowners associations by chapter 720. Three separate chapters, and they don’t mirror one another.
Two differences are worth knowing before you read the list below. Both are condominium sections. §718.111(11) sets where the condominium association’s policy stops and the unit owner’s begins. §627.714 requires a condominium unit owner’s own policy to carry loss assessment coverage, and sets a minimum amount for it. Neither one reaches a cooperative under chapter 719 or a homeowners association under chapter 720.
So a co-op board, or a homeowners-association board, looking for that dividing line won’t find it in a statute. Where it comes from instead is a question for your own governing documents and your own policy, and it’s one of the first things I look for when handling this type of claim.
- §553.899 Mandatory structural inspections for condominium and cooperative buildings.
- §718.111 The association.
- §718.112 Bylaws.
- §718.113 Maintenance; limitation upon improvement; display of flag; hurricane protection; display of religious decorations.
- §718.1265 Association emergency powers.
- §719.104 Cooperatives; access to units; records; financial reports; assessments; purchase of leases.
- §719.1055 Amendment of cooperative documents; alteration and acquisition of property.
- §719.106 Bylaws; cooperative ownership.
- §719.128 Association emergency powers.
- §720.303 Association powers and duties; meetings of board; official records; budgets; financial reporting; association funds; recalls.
- §720.316 Association emergency powers.
The call that matters
If you’ve had a loss, call or email me. It’s a twenty-minute phone call about the loss, and I’ll tell you plainly where you stand.
You stay in control of your claim. That’s the whole point.