Florida's property insurance landscape has been shaped by landmark legislative packages, including sweeping reforms from recent sessions and newer rules governing claims and roof conditions. Key updates restrict insurers from dropping or denying coverage on roofs solely based on age if an authorized inspector certifies that the roof has at least five remaining years of useful life or can be extended via specific maintenance methods. Additionally, new administrative dispute procedures and restrictions on artificial intelligence being used as the sole basis for claim denials provide policyholders with enhanced avenues to challenge undervalued or delayed claims, building upon earlier historical tort reforms that eliminated one-way attorney fees to stabilize the market.
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