JACKSONVILLE, Fla. – A new bill in Florida’s upcoming legislative session could change how property insurance companies notify you about canceling, renewing or increasing your policy rates.
The bill could give policyholders more time to prepare for these changes.
Currently, the law requires insurance companies to give 120 days' notice for policy changes.
The new bill, introduced by Sen. Danny Burgess, R-Zephyrhills, proposes adding an extra 45 days to that notice period.
The bill would also require at least 10 days of written notice for cancellations.
The notices would be sent via email to customers.
“The reality is that we do everything online these days. How many of us go to the mailbox, and it’s just full of junk mail,” Burgess said. “There could actually be a very important letter buried within all of that which could potentially be missed. It could happen to any single one of us.”
Burgess says this legislation aims to give consumers more time to shop for new policies if their coverage is canceled.
The current law already includes requirements for insurers before issuing a policy. These include providing details on what is and isn’t covered and encouraging policyholders to get enough coverage to protect against events not included in standard homeowners’ policies.
The 2025 legislative session begins on March 4. A special session has been called for Jan. 27 to address other issues, including immigration.
