If your insurer denies or underpays a claim, a new Florida law — HB 459, effective July 1, 2026 — changes how that dispute gets resolved.
What changes
HB 459 replaces the old voluntary mediation system with a mandatory dispute-resolution procedure run through the Division of Administrative Hearings (DOAH). When a claim dispute can't be settled directly, either you or the insurer can file a petition to start it.
Why it matters
It gives homeowners a clearer, more structured path than the old opt-in process, and it applies broadly to residential property policies — not just standard homeowners forms.
What to do when a claim goes sideways
- Document everything — photos, repair estimates, and your policy.
- Communicate with the insurer in writing and keep copies.
- Know the dispute process exists and the deadlines that apply.
As an independent agency we don't adjust claims, but we help you understand what your policy actually covers before and during one. It's all part of the broader 2026 wave of Florida insurance reform.
Frequently asked questions
When does HB 459 take effect?
July 1, 2026. It applies to property insurance claim disputes going forward.
Does it replace lawsuits?
It creates a structured dispute-resolution step through DOAH. It changes how disputes are handled rather than eliminating other legal options.
What should I do first if my claim is denied?
Get the denial in writing, document all damage and estimates, and review your policy so you understand the basis for the dispute.
Not sure what your policy actually covers?
We'll walk through your coverage with you, free — so you know where you stand before a claim.
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