SFO Jimmy's Patronis' Seal
Men working on roof

2022 PROPERTY INSURANCE CHANGES

December 2022 Special Session

May 2022 Special Session

Special Session - December 2022

The Florida Legislature convened for a Special Session specifically to address property insurance and other topics starting December 12, 2022. Among the legislation, the Legislature passed Senate Bill 2A, which makes sweeping changes to the property insurance claims process, reinsurance, regulation of insurance companies and more. Below is a summary of some of the key changes. The basis of the summary is provided by the Florida Legislature with context and consumer impact added. To review the bill in its entirety, visit https://flsenate.gov/Session/Bill/2022A/2A/BillText/Filed/PDF.

Senate Bill 2A

Special Session - May 2022

The Florida Legislature concluded a Special Legislative Session specifically to address property insurance. The Legislature passed two bills – Senate Bill 2D and Senate Bill 4D – and Governor DeSantis signed each on May 26, 2022.

Both bills include changes that will impact you as a property insurance policyholder. Below is an overview of key changes. All changes are effective immediately.

Senate Bill 2D

Senate Bill 4D

Information in this summary is derived from the analysis conducted by the Florida Legislature and bill language. 

Contact Your ICA


Tasha Carter

Florida's Insurance Consumer Advocate
Office of the Insurance Consumer Advocate
200 East Gaines Street, Tallahassee, FL 32399
Phone: (850) 413-5923
Email: YourFLVoice@MyFloridaCFO.com