Florida House Bill 767, titled Residential Property Insurance, proposed several consumer-facing changes involving insurer disclosures, a state insurance resource center, and how some residential property coverage amounts and claims would be valued. As of March 13, 2026, LegiScan lists the bill’s latest major action as Died in Rules, which means the measure did not move forward in its current form during the 2026 session.
Executive Summary
- H0767 would have required Florida’s Office of Insurance Regulation to create and maintain a comprehensive resource center on its website.
- The bill also would have required residential property insurers to notify consumers about that resource center when making an offer of coverage and at policy renewal.
- It proposed limits on counting the value of certain land when setting a homeowner’s policy coverage amount or adjusting certain claims, but the LegiScan summary does not specify the full details of those limits.
- The bill further addressed trade secret and public records treatment for certain information, although the LegiScan summary does not identify each category of information affected.
- LegiScan shows the bill died in the Rules Committee on March 13, 2026, so it is not law based on the information provided.
What This Bill Would Do
According to the LegiScan summary for H0767, the bill would have required the Florida Office of Insurance Regulation, often called OIR, to establish and maintain a comprehensive resource center on its website. The summary says the bill also would have set requirements for that resource center. The LegiScan summary, however, does not specify in detail what every required website component would be.
The proposal also would have affected insurer communications with homeowners and applicants. Residential property insurers would have been required to provide notice of the comprehensive resource center on the OIR website with any offer of coverage and with policy renewals. For consumers, that likely would have meant more direct notice that a state-run information hub existed, rather than leaving policyholders to find it on their own.
Another part of the bill focused on what information would not be treated as a trade secret and would not remain protected by certain public records exemptions. That may matter to policyholders, advocates, and the public because it can affect how much information is available when people are comparing insurers or trying to understand how coverage decisions are made. Still, the LegiScan summary does not specify exactly which information would lose those protections, so the summary alone does not answer how broad that change would be.
H0767 also addressed valuation issues. The summary states that the bill would have prohibited an insurer from including the value of certain land when establishing a homeowner’s policy coverage amount or adjusting certain claims. That could be significant because homeowners often care whether insured values reflect the cost to repair or rebuild the structure, as opposed to the market value of the land underneath it. But the summary does not specify what land is covered, how the rule would apply in different claim scenarios, or which claims are included.
Finally, the bill would have required notices about premium discounts for hurricane loss mitigation to include information about whether the insurer offers enhanced discounts for roof systems that use secondary water resistance. For Florida property owners evaluating roofing work or mitigation investments, that part of the bill appears aimed at making discount information more complete and easier to use. The LegiScan summary does not say how that disclosure would need to be formatted or when enhanced discounts would apply.
Where the Bill Is in the Process
LegiScan identifies the latest major action on H0767 as Died in Rules on March 13, 2026. In plain terms, that means the bill did not advance out of the Rules Committee and stopped moving forward in the ordinary process for this session.
LegiScan also lists the bill status as 6 and identifies the milestone type as major_action. For readers tracking legislation, that tells you this was a significant procedural development rather than a minor calendar update. The practical point is straightforward: based on the information provided, H0767 did not pass.
What happens next is not specified in the LegiScan summary. If lawmakers want to pursue these ideas later, they could refile similar legislation in a future session or try to move comparable language through another bill. But as of the March 13, 2026 action reflected here, this bill itself is not becoming law in its current form.
Who Could Be Impacted
Florida homeowners would have been the most direct audience for this proposal. The bill was written around residential property insurance, policy offers, renewals, coverage amounts, claim adjustments, and hurricane mitigation discount notices. Homebuyers, existing homeowners, condominium unit owners with homeowner-style policies, and anyone shopping for residential property coverage could have felt the effects if the bill had passed.
Residential property insurers also would have been directly affected because the bill proposed new notice obligations and valuation-related restrictions. Insurance agents, brokers, and customer service teams might have needed to update forms, renewal materials, and consumer education practices to make sure the required website notice was delivered with coverage offers and renewals.
Roofing contractors, mitigation inspectors, and property professionals may also have had an interest in the hurricane loss mitigation disclosure piece. If consumers received clearer information about enhanced discounts tied to roof systems using secondary water resistance, that could influence repair decisions, upgrade planning, and conversations about the value of mitigation work.
Consumer advocates and public records stakeholders may have watched the bill closely as well because of the provision stating that certain information is not a trade secret and is not subject to certain public records exemptions. The exact scope is not specified in the summary, but that type of provision can affect transparency and oversight.
Practical Takeaways
- H0767 is not law based on the March 13, 2026 LegiScan update showing the bill died in Rules.
- Homeowners should not assume insurers are currently required by this bill to send notices about a comprehensive OIR resource center.
- If you are comparing policies, ask directly how the insurer calculates dwelling coverage and whether land value is part of the insurer’s methodology, because this bill’s proposed restriction did not take effect.
- If you are handling a property claim, review your policy language and valuation documents carefully. The LegiScan summary suggests this bill targeted valuation issues, which means the topic remains important even though the bill did not pass.
- If you are considering roof upgrades or other storm-hardening work, ask your insurer whether it offers any enhanced discounts for secondary water resistance. The bill would have required clearer notice, but the summary does not indicate that requirement is already in place under current law.
- Insurers and agents should continue using current Florida law and existing compliance materials unless and until similar legislation is enacted.
- Businesses that prepare policy forms, renewal packets, or disclosure notices should watch for refiled legislation on this subject in future sessions.
- Consumers looking for official insurance guidance can still review the Office of Insurance Regulation website, but this bill’s proposed “comprehensive resource center” requirements did not become mandatory based on the information provided.
- Public records and trade secret questions remain fact-specific. The LegiScan summary signals a transparency issue, but it does not provide enough detail to predict how future legislation might be drafted.
Open Questions / What We’re Watching
Several important points are not specified in the LegiScan summary, and those gaps matter. The summary does not explain what the required OIR resource center content would have included, which categories of information would no longer be treated as trade secret, what “certain land” means for coverage valuation purposes, or which claims would be covered by the claim-adjustment language.
We are also watching whether similar language reappears in another Florida insurance bill. Even when a bill dies in committee, the policy issue behind it often returns in a revised form. For homeowners and insurance market participants, the most important themes to monitor are consumer-facing disclosures, property valuation standards, mitigation discount transparency, and any effort to make more insurer-related information publicly accessible.
If you have questions about how this proposal may relate to your policy, claim, renewal, or compliance obligations, contact the firm for guidance on your specific situation.
