Florida SB 128: Public Records/Judicial Assistants

Bill Text

128 
Homeowners’ Insurance Policies 
2025-10-07T12:28:24Z 
Requiring insurers to reimburse homeowners for the cost of a specified roof inspection under certain circumstances; requiring insurers to make certain notifications to homeowners at a specified time, etc. 
Original Filed Version 
2026 
S 
2026-07-01T00:00:00Z 
GB 
General Bill 
__ 

 Florida Senate - 2026 SB 128 

 By Senator Bracy Davis 

 15-00357A-26 2026128__ 
 1 A bill to be entitled 
 2 An act relating to homeowners’ insurance policies; 
 3 amending s. 627.7011, F.S.; requiring insurers to 
 4 reimburse homeowners for the cost of a specified roof 
 5 inspection under certain circumstances; requiring 
 6 insurers to make certain notifications to homeowners 
 7 at a specified time; providing an effective date. 
 8 
 9 Be It Enacted by the Legislature of the State of Florida: 
 10 
 11 Section 1. Paragraph (c) of subsection (5) of section 
 12 627.7011, Florida Statutes, is amended to read: 
 13 627.7011 Homeowners’ policies; offer of replacement cost 
 14 coverage and law and ordinance coverage.— 
 15 (5) 
 16 (c) For a roof that is at least 15 years old, an insurer 
 17 must allow a homeowner to have a roof inspection performed by an 
 18 authorized inspector at the homeowner’s expense before requiring 
 19 the replacement of the roof of a residential structure as a 
 20 condition of issuing or renewing a homeowner’s insurance policy. 
 21 The insurer may not refuse to issue or refuse to renew a 
 22 homeowner’s insurance policy solely because of roof age if, 
 23 during an inspection of the roof of the residential structure, 
 24 the performed by an authorized inspector performing the 
 25 inspection determines indicates that the roof has 5 years or 
 26 more of useful life remaining. If an authorized inspector makes 
 27 such a determination, the insurer must reimburse the homeowner 
 28 for the cost of the inspection in an amount not to exceed $300. 
 29 An insurer must notify a homeowner of the right to have a roof 
 30 inspection and of the insurer’s obligation to reimburse the 
 31 homeowner as specified under this paragraph at the time of 
 32 issuing or renewing a homeowner’s insurance policy. 
 33 Section 2. This act shall take effect July 1, 2026.