The Florida Senate

HB 1555: Insurers' Liabilities and Responsibilities

GENERAL BILL by Cassel

Insurers' Liabilities and Responsibilities; Requires surplus lines insurers to comply with valued policy law; requires insurers' decisions to deny claims to be reviewed, approved, & signed off by qualified human professionals; prohibits artificial intelligence, machine learning algorithms, & automated systems from serving as basis for denying claims; requires insurers to maintain certain records of human review process for denied claims; requires insurers to include certain information in denial communications to claimants; authorizes OIR to audit claim denials.

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• Bill History

  Date	Chamber	Action
  2/28/2025	House	• Filed
  3/4/2025	House	• 1st Reading (Original Filed Version)
  3/5/2025	House	• Referred to Insurance & Banking Subcommittee • Referred to Commerce Committee • Now in Insurance & Banking Subcommittee

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• HB 1555, Original Filed Version (Current Bill Version) Posted 2/28/2025 at 4:13 PM

  Bill Text:	PDF

  Analyses:	None

  Related Bills (3)

  Bill Number	Subject	Filed By	Relationship	Last Action and Location	Track Bills
  S 328	Applicability of Valued Policy Law to Surplus Lines Insurers	Garcia	Compare	Last Action: 3/4/2025 S Introduced
  S 794 (c1)	Mandatory Human Reviews of Insurance Claim Denials	Bradley	Compare	Last Action: 3/26/2025 S CS by Banking and Insurance read 1st time
  S 1740 (c1)	Insurance	Ingoglia	Compare	Last Action: 3/19/2025 S CS by Banking and Insurance read 1st time

  Citations - Statutes (5)

  Citation	Catchline	Location in Bill Location In Bill Help
  626.926	Liability of insurer as to losses and unearned premiums.	Page 2 (pdf)
  627.4263		Page 2 (pdf)
  627.7011	Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.	Page 8 (pdf)
  627.702	Valued policy law.	Page 3 (pdf)
  627.7142	Homeowner Claims Bill of Rights.	Page 8 (pdf)

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