Fla. Stat. 624.1551
Civil remedy actions against property insurers

Mentioned in

Florida First District Court of Appeal Holds Statutory Changes in Fla. Stat. 624.1551 Cannot Apply Retroactively to Causes of Action that Accrued Prior to the Change - Clausen Miller

Clausen Miller, March 6, 2025

"Florida First District Court of Appeal Holds Statutory Changes in Fla. Stat."
 
Bibliographic info

Notwithstanding any provision of s. 624.155 to the contrary, in any claim for extracontractual damages under s. 624.155(1)(b), no action shall lie until a named or omnibus insured or a named beneficiary has established through an adverse adjudication by a court of law that the property insurer breached the insurance contract and a final judgment or decree has been rendered against the insurer. Acceptance of an offer of judgment under s. 768.79 or the payment of an appraisal award does not constitute an adverse adjudication under this section. The difference between an insurer’s appraiser’s final estimate and the appraisal award may be evidence of bad faith under s. 624.155(1)(b), but is not deemed an adverse adjudication under this section and does not, on its own, give rise to a cause of action.

Source: Section 624.1551 — Civil remedy actions against property insurers, https://www.­flsenate.­gov/Laws/Statutes/2024/0624.­1551 (accessed Aug. 7, 2025).

624.01
Short title 624.02
“Insurance” defined 624.03
“Insurer” defined 624.04
“Person” defined 624.05
“Department,” “commission,” and “office” defined 624.06
“Domestic,” “foreign,” “alien” insurer defined 624.07
“Domicile” defined 624.08
“State” defined 624.09
“Authorized,” “unauthorized” insurer defined 624.10
Other definitions 624.11
Compliance required 624.12
Application of code as to fraternal benefit societies 624.13
Particular provisions prevail 624.15
General penalty 624.19
Existing forms and filings 624.21
Prospective operation of amendments to code 624.23
Public records exemption 624.24
Prohibition against requiring the purchase of health insurance 624.25
Patient Protection and Affordable Care Act 624.26
Collaborative arrangement with the Department of Health and Human Services 624.27
Direct health care agreements 624.031
“Self-insurance” defined 624.075
“Commercially domiciled insurer” defined 624.105
Waiver of customer liability 624.115
Referral of criminal violations 624.123
Certain international health insurance policies 624.124
Motor vehicle services 624.125
Certain motor vehicle service agreements 624.126
Certain mutual aid associations 624.127
Certain political subdivisions offering prepaid ambulance service plans 624.128
Crime victims exemption 624.129
Certain location and recovery services 624.155
Civil remedy 624.215
Proposals for legislation which mandates health benefit coverage 624.231
Disclosure and fees for production of records 624.1055
Right of contribution among liability insurers for defense costs 624.1265
Nonprofit religious organization exemption 624.1275
Insurance agents 624.1551
Civil remedy actions against property insurers 624.1552
Civil actions involving an insurance contract

Current through Fall 2025

§ 624.1551. Civ. remedy actions against property insurers's source at flsenate​.gov