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FLORIDA - Florida lawmakers are preparing a series of bills aimed at addressing property insurance affordability as the 2026 legislative session approaches.
Senate Democrats have introduced multiple proposals targeting rate increases, consumer protections, and industry oversight.
Senate Bill 30, sponsored by Senator Barbara Sharief, would limit annual property insurance rate increases to 10 to 15% and grant the Florida Insurance Consumer Advocate authority to request administrative hearings, administer oaths, and issue subpoenas.
Senate Bill 78, introduced by Senator Rosalind Osgood, proposes permanently eliminating sales taxes on impact-resistant doors, garage doors, and windows.
Senate Bill 84, by Senate Democratic Leader Lori Berman, creates the Insurance Solutions Advisory Council to analyze property and auto insurance data and provide annual reports with recommendations to the Legislature and Governor.
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Senate Bill 108, introduced by Senator Tina Polsky, would require mediation for disputed property insurance claims to reduce costly litigation.
Senate Bill 128, by Senator LaVon Bracy Davis, mandates that insurers notify homeowners of their right to an inspection before nonrenewing a policy due to roof age and reimburse homeowners if the inspection confirms five or more years of roof life remain.
Senate Bill 140, sponsored by Senator Darryl Rouson, enhances whistleblower protections for employees and contractors who report unethical or illegal conduct.
Senator Carlos Guillermo Smith has also introduced legislation aimed at strengthening oversight of property insurers through the Office of Insurance Regulation, addressing concerns about affiliates receiving undisclosed profits while premiums rise.
Republican lawmakers in the House are prioritizing property tax reform, introducing proposals that include additional homestead exemptions and caps on assessed value growth to reduce homeowner costs.
These bills aim to provide homeowners with greater protections and financial relief while improving transparency and accountability in Florida’s property insurance market.