Fla. Stat. 626.9744
Claim settlement practices relating to property insurance

(1)

When a loss requires repair or replacement of an item or part, any physical damage incurred in making such repair or replacement which is covered and not otherwise excluded by the policy shall be included in the loss to the extent of any applicable limits. The insured may not be required to pay for betterment required by ordinance or code except for the applicable deductible, unless specifically excluded or limited by the policy.

(2)

When a loss requires replacement of items and the replaced items do not match in quality, color, or size, the insurer shall make reasonable repairs or replacement of items in adjoining areas. In determining the extent of the repairs or replacement of items in adjoining areas, the insurer may consider the cost of repairing or replacing the undamaged portions of the property, the degree of uniformity that can be achieved without such cost, the remaining useful life of the undamaged portion, and other relevant factors.

(3)

This section shall not be construed to make the insurer a warrantor of the repairs made pursuant to this section.

(4)

Nothing in this section shall be construed to authorize or preclude enforcement of policy provisions relating to settlement disputes.

Source: Section 626.9744 — Claim settlement practices relating to property insurance, https://www.­flsenate.­gov/Laws/Statutes/2024/0626.­9744 (accessed Aug. 7, 2025).

626.99
Life insurance solicitation 626.951
Declaration of purpose 626.973
Fictitious groups 626.989
Investigation by department or Division of Investigative and Forensic Services 626.9511
Definitions 626.9521
Unfair methods of competition and unfair or deceptive acts or practices prohibited 626.9531
Identification of insurers, agents, and insurance contracts 626.9541
Unfair methods of competition and unfair or deceptive acts or practices defined 626.9543
Holocaust victims 626.9545
Improper charge identification incentive program 626.9551
Favored agent or insurer 626.9561
Power of department and office 626.9571
Defined practices 626.9581
Cease and desist and penalty orders 626.9591
Appeals from the department or office 626.9601
Penalty for violation of cease and desist orders 626.9611
Rules 626.9621
Provisions of part additional to existing law 626.9631
Civil liability 626.9641
Policyholders, bill of rights 626.9651
Privacy 626.9701
Rate increases and premium surcharges 626.9702
Illegal dealings in premiums 626.9705
Life or disability insurance 626.9706
Life insurance 626.9707
Disability insurance 626.9741
Use of credit reports and credit scores by insurers 626.9743
Claim settlement practices relating to motor vehicle insurance 626.9744
Claim settlement practices relating to property insurance 626.9885
Financial institutions conducting insurance transactions 626.9891
Insurer anti-fraud investigative units 626.9892
Anti-Fraud Reward Program 626.9893
Disposition of revenues 626.9894
Gifts and grants 626.9896
Dedicated insurance fraud prosecutors 626.97075
Life insurance, disability insurance, and long-term care insurance

Current through Fall 2025

§ 626.9744. Claim settlement practices relating to property insurance's source at flsenate​.gov