HB 1047 Florida House · 2025 Regular Session

Insurance

Summary

Insurance; Provides procedures & timelines for objecting, & responding to objections, to sufficiency of evidence submitted by claimants to insurers; revises requirements for licensing for general lines agents; specifies when adjusters must include their appointment types & names & license numbers if communicating with policyholders by text message; prohibits public adjusters from engaging in certain adversarial conduct; revises circumstances under which insurer or agent may cancel or nonrenew certain residential property insurance policies; revises required statement by property insurers providing preliminary or partial estimate of damage regarding claim; revises required statement by property insurers providing payment on claim which is not full & final payment for claim.

Bill status died 1 of 4 stages cleared

Introduction

Feb 2025

Committee Review

Floor Vote

Governor

Introduced Feb 25, 2025 Last action Jun 16, 2025

Maddy AI version diff · 1 comparison

What changed between versions

H 1047 Filed → H 1047 c1 · 4 edits

MODERATE

The bill was amended to add a new section defining 'sufficient evidence' for bad faith insurance claims and establishing a formal objection process between claimants and insurers. This addition clarifies what evidence qualifies as sufficient for bad faith claims and creates a structured timeline for disputing evidence sufficiency. The bill also reorganized the text to move the general lines agent licensing requirements from Section 1 to Section 2, while adding a new Section 1 to address the evidence objection process.

Scope change

The bill's scope expanded to include a new civil remedy provision regarding evidence sufficiency in bad faith insurance claims, which was not present in the original version.

REQUIREMENT

Added a new Section 1 establishing procedures for objecting to and responding to objections regarding the sufficiency of evidence submitted by claimants in bad faith insurance claims.

DEFINITION

Added a definition of 'sufficient evidence' as written or photographic evidence indicating personal injury or property damage, including specific examples like accident reports, photographs, medical bills, and repair bills.

TIMELINE

Established a 10 business day timeline for insurers to provide written notice of objection to evidence sufficiency, and an additional 10 business days for claimants to provide clarification or submit further evidence.

STRUCTURE

Reorganized the bill structure by moving the general lines agent licensing requirements from Section 1 to Section 2 and creating a new Section 1 for the evidence objection process.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Apr 2, 2025

Lower · Passed

Now in Commerce Committee

lower

Apr 2, 2025

Committee

Referred to Commerce Committee

lower

Mar 31, 2025

Lower · Passed

Reported out of Insurance & Banking Subcommittee

lower

Mar 27, 2025

Lower · Passed

Favorable with CS by Insurance & Banking Subcommittee

lower

Mar 25, 2025

Lower · Passed

PCS added to Insurance & Banking Subcommittee agenda

lower

Mar 2, 2025

Lower · Passed

Now in Insurance & Banking Subcommittee

lower

Mar 2, 2025

Committee

Referred to Commerce Committee

lower

Mar 2, 2025

Committee

Referred to Insurance & Banking Subcommittee

lower

1 primary · 0 co-sponsors