Florida HB 1263: My Safe Florida Home Program

Bill Text

CS/CS/HB 1263, Engrossed 1 2026

CODING: Words stricken are deletions; words underlined are additions.
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A bill to be entitled 1
An act relating to the Office of Insurance Regulation; 2
amending s. 20.121, F.S.; providing that the Office of 3
Insurance Regulation is responsible for all activities 4
concerning entities under its jurisdiction; amending 5
s. 501.171, F.S.; requiring covered entities under the 6
office's jurisdiction to copy the office on certain 7
notices and provide certain information, upon request, 8
to the office; amending s. 624.310, F.S.; authorizing 9
the Department of Financial Services and the office to 10
issue and deliver cease and desist orders for certain 11
activities; authorizing the department and the office 12
to seek an injunction for enforcement of such order; 13
amending s. 624.316, F.S.; removing a provision 14
authorizing the Financial Services Commission to adopt 15
the Market Conduct Examiners Handbook; amending s. 16
624.3161, F.S.; requiring the office to examine 17
administrators under certain circumstances; 18
authorizing the commission to adopt by rule the Market 19
Conduct Examiners Handbook; creating s. 624.341, F.S.; 20
requiring the Department of Law Enforcement to accept 21
and process fingerprints taken of certain persons; 22
providing applicability; specifying procedures for 23
fingerprinting; specifying that fingerprints must be 24
submitted in accordance with certain rules; requiring 25

CS/CS/HB 1263, Engrossed 1 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

the Department of Law Enforcement and the Federal 26
Bureau of Investigation to conduct certain background 27
checks; requiring that certain fingerprints be 28
submitted and entered into a specified system; 29
specifying who bears the costs of fingerprint 30
processing; requiring the office to review criminal 31
history background checks and make certain 32
determinations; authorizing the Department of Law 33
Enforcement to exchange certain records with the 34
office; specifying that certain criminal records be 35
used by the office for certain purposes; amending s. 36
627.062, F.S.; revising the factors that the office 37
must consider in determining if insurance rates are 38
excessive, inadequate, or discriminatory; amending s. 39
627.0628, F.S.; requiring private passenger automobile 40
insurance to be adequately projected; amending s. 41
627.0629, F.S.; requiring the office to determine 42
minimum rate differentials for windstorm damage 43
mitigation techniques that meet or exceed the minimum 44
requirements of the Florida Building Code; authorizing 45
insurers to seek additional rate differentials; 46
amending s. 627.0645, F.S.; revising requirements of 47
rate filing with the office for certain insurers; 48
amending s. 627.711, F.S.; requiring that certain 49
discount notification forms for personal lines 50

CS/CS/HB 1263, Engrossed 1 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

residential property insurance policies be sent to 51
insureds at the time of policy issuance and renewal; 52
requiring the office to contract with a state 53
university to design, operate, upgrade, and maintain a 54
specified database; requiring property insurers to 55
file certain policyholder forms within a specified 56
timeframe in the database beginning on a specified 57
date; requiring the commission to adopt rules; 58
amending s. 627.7152, F.S.; removing a provision 59
requiring insurers to report on residential and 60
commercial property insurance claims paid in a certain 61
year; amending s. 627.915, F.S.; requiring private 62
passenger automobile insurers to file specified 63
monthly reports beginning on a specified date; 64
requiring the commission to adopt rules; removing the 65
requirement for certain insurers to submit such 66
report; removing an exemption for certain insurers; 67
creating s. 628.8011, F.S.; providing definitions; 68
requiring certain persons to file a group capital 69
calculation report annually by a specified date; 70
providing requirements for such report; exempting 71
certain insurance holding company systems from filing 72
such report; requiring certain non-United States-based 73
insurance holding company systems to file a group 74
capital calculation report; authorizing the office to 75

CS/CS/HB 1263, Engrossed 1 2026

CODING: Words stricken are deletions; words underlined are additions.
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exempt certain persons from filing such report under 76
certain circumstances; authorizing the filing of a 77
limited group capital filing instead of the group 78
capital calculation report under certain