Florida Senate - 2025                                     SB 128
       
       
        
       By Senator Burgess
       
       
       
       
       
       23-00230B-25                                           2025128__
    1                        A bill to be entitled                      
    2         An act relating to residential property insurers;
    3         amending s. 627.7011, F.S.; requiring homeowner’s
    4         policy insurers to give specified notifications to
    5         policyholders; requiring that such notice be mailed
    6         and, under certain circumstances, e-mailed; specifying
    7         exceptions to notification requirements; providing an
    8         effective date.
    9          
   10  Be It Enacted by the Legislature of the State of Florida:
   11  
   12         Section 1. Subsection (7) is added to section 627.7011,
   13  Florida Statutes, to read:
   14         627.7011 Homeowners’ policies; offer of replacement cost
   15  coverage and law and ordinance coverage.—
   16         (7) Any insurer delivering or issuing a homeowner’s
   17  insurance policy shall give the policyholder at least 45 days’
   18  advance written notice of cancellation, nonrenewal, or rate
   19  change. Such notice must be mailed to the policyholder’s last
   20  address as shown by the records of the insurer and, if an e-mail
   21  address has been provided, e-mailed to the last e-mail address
   22  on record. However, if cancellation is for nonpayment of
   23  premium, at least 10 days’ written notice must be given,
   24  accompanied by the reason. Written notice of cancellation for
   25  nonpayment of premium is not required for homeowner’s insurance
   26  policies under which premiums are payable monthly.
   27         Section 2. This act shall take effect July 1, 2025.