08/14/2026
Florida has undergone significant property insurance reform in recent years — changes that affect homeowners filing and pursuing property insurance claims.
Understanding the new landscape is essential to protecting your rights.
Key changes that affect policyholders:
• One-way attorney fees eliminated:
Florida eliminated the former one-way attorney-fee provisions for lawsuits arising under residential and commercial property insurance policies. Policyholders generally can no longer rely on those provisions to recover attorney fees from their insurer simply because they prevail in a property insurance lawsuit.
• Assignment of Benefits (AOB) restrictions:
For residential and commercial property insurance policies issued on or after January 1, 2023, policyholders generally cannot assign post-loss insurance benefits to contractors or other service providers.
• Shorter deadlines for reporting claims:
An initial or reopened property insurance claim generally must be reported to the insurer within 1 year after the date of loss. A supplemental claim generally must be reported within 18 months after the date of loss. Missing the applicable deadline can bar the claim.
• Insurers face shorter claim-handling deadlines:
Florida law generally requires residential property insurers to pay or deny an initial, reopened, or supplemental property insurance claim, or a portion of the claim, within 60 days after receiving notice of the claim, subject to statutory exceptions and tolling provisions.
What this means for you:
Florida's reforms significantly changed how property insurance claims are reported, handled, and litigated.
For homeowners, the practical takeaway is clear: timing and documentation matter. Waiting too long to report damage, supplement a claim, or address a disputed claim can affect your ability to recover insurance benefits.
The law changed. Your right to pursue the benefits owed under your policy remains.
Have a Florida claim?
The new rules mean timing matters more than ever.
The Property People stay current on Florida's changing property insurance laws so our clients can protect their claims, meet critical deadlines, and pursue the insurance benefits they are owed.
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📍 Florida Property Insurance Claims
New rules. Same fight. We're still winning.
