Florida HB 767: Assisted Living Facilities

Bill Text

CS/HB 767 2026

CODING: Words stricken are deletions; words underlined are additions.
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A bill to be entitled 1
An act relating to residential property insurance; 2
amending s. 627.0621, F.S.; requiring the Office of 3
Insurance Regulation to establish and maintain a 4
comprehensive resource center on its website; 5
providing requirements for the resource center; 6
specifying that certain information is not a trade 7
secret and is not subject to certain public records 8
exemptions; requiring residential property insurers to 9
provide notice of the comprehensive resource center on 10
the office's website with any offer of coverage and 11
policy renewal; amending s. 627.7011, F.S.; 12
prohibiting an insurer from including the value of 13
certain land when establishing a homeowner's policy 14
coverage amount or adjusting certain claims; providing 15
construction; amending s. 627.711, F.S.; providing 16
that the notice of premium discounts for hurricane 17
loss mitigation must include information about whether 18
the insurer offers enhanced discounts for roof systems 19
that use a secondary water resistance; amending s. 20
627.7142, F.S.; conforming a cross-reference; 21
providing an effective date. 22
23
Be It Enacted by the Legislature of the State of Florida: 24
25

CS/HB 767 2026

CODING: Words stricken are deletions; words underlined are additions.
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

Section 1. Subsection (2) of section 627.0621, Florida 26
Statutes, is amended, and subsection (3) is added to that 27
section, to read: 28
627.0621 Transparency in rate regulation.— 29
(2) WEBSITE FOR PUBLIC ACCESS TO RATE FILING INFORMATION.— 30
(a) The office shall establish and maintain a 31
comprehensive resource center on its website which uses concise 32
and plain language to aid consumers in their understanding of 33
insurance. The website must include substantive information on 34
the current and historical dynamics of the market, data 35
concerning the financial condition and market conduct of 36
insurance companies, and insurance options available to 37
consumers. At a minimum, the website must contain the following: 38
1. Reports, using graphic information whenever possible, 39
which outline information about the state of the market and 40
adverse and positive trends affecting it. 41
2. Tools that aid consumers in finding insurers, 42
including, but not limited to, a listing of all companies 43
actively doing business in this state which includes each 44
company's address, website, and all telephone numbers and e-mail 45
addresses to be used by insureds and applicants for coverage. 46
3. Tools that aid consumers in selecting the coverages 47
beneficial to them, including, but not limited to: 48
a. Educational materials that explain the types of 49
coverage in residential property insurance policies; the 50

CS/HB 767 2026

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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

difference between replacement cost reimbursement and actual 51
cash value reimbursement; a glossary of common terms used in 52
policies; and a comparison of the coverage, terms, conditions, 53
and exclusions contained in different homeowners' and dwelling 54
fire forms. 55
b. Answers to commonly asked questions about residential 56
property insurance coverage. 57
4. Information about mitigation credits and the My Safe 58
Florida Home Program, as well as other credits and discounts 59
insurers may offer beyond wind mitigation. 60
5. Access to annual statements, market conduct 61
information, all major adverse findings by the office for the 62
previous 3 calendar years, and other information related to each 63
insurer. 64
6. Information on the Citizens Property Insurance 65
Corporation take-out process, the clearinghouse program, and the 66
general information as reported by the office. 67
7. Information on the claim process, including, but not 68
limited to: 69
a. Clear, step-by-step guidance on how to file a claim, 70
what to expect during the claim process, and timelines for 71
resolution of a claim. 72
b. The obligations of insurers and insureds related to 73
claims reporting, claims handling, communications regarding 74
claims, claim investigations, claims decisions, and claims 75

CS/HB 767 2026

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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

payments. 76
c. For each insurer with active policies in this state, 77
the means by which to report a claim, including any telephone 78
numbers, e-mail addresses, or website addresses used for claims 79
reporting. 80
8. Information on consumer protection, including, but not 81
limited to: 82
a. The rights of insureds under Florida law related to 83
coverage; coverage r