{ "name": "floridawaterdamagecost.com FL Water Claim Law and Coverage", "title": "FL Water Claim Law and Coverage", "url": "https://floridawaterdamagecost.com/datasets/fl-water-claim-law-and-coverage/", "csv": "https://floridawaterdamagecost.com/datasets/fl-water-claim-law-and-coverage.csv", "markdown": "https://floridawaterdamagecost.com/datasets/fl-water-claim-law-and-coverage/index.md", "computed_at": "2026-10-25", "license": "https://floridawaterdamagecost.com/terms", "headline": "The FL Water Claim Law and Coverage carries 4 published figures read from 3 sources' own pages, from 1 to 3 year, read 24 October 2026.", "quotes": [ "The FL Water Claim Law and Coverage carries 4 published figures read from 3 sources' own pages, from 1 to 3 year, read 24 October 2026.", "6 of the 12 named sources read in full publish a figure; 6 publish none, read 24 October 2026.", "FL Water Claim Law and Coverage, rule deductible notification threshold: median 500,000 USD across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule hurricane deductible offer: median 500 USD across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule deductible notice: median 3 year across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule roof deductible cap: median 2 percent across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule supplemental claim bar: median 18 month across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule loss assessment claim bar: median 3 year across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule notice of claim bar: median 1 year across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule condominium loss assessment notice: median 90 day across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule law and ordinance cap: median 25 percent across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule notice of availability: median 3 year across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule assignment of benefits: median 3,000 USD across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule appraisal clock: median 90 day across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule presuit notice tolling: median 30 day across 1 source, read 24 October 2026.", "FL Water Claim Law and Coverage, rule mold remediator title prohibition: median 12 month across 1 source, read 24 October 2026." ], "citation": "\"floridawaterdamagecost.com FL Water Claim Law and Coverage\", updated 2026-10-25, https://floridawaterdamagecost.com/datasets/fl-water-claim-law-and-coverage/.", "changed_since": null, "national": { "unit": "year", "n": 4, "median": 3, "min": 1, "max": 3, "p25": 1.5, "p75": 3, "mean": 2.5, "units": { "%": 2, "USD": 3, "day": 3, "month": 2, "year": 4 }, "published_sources": 6, "named_sources": 12, "read_sources": 12, "not_published": 6, "published_share": 0.5 }, "by_axis": { "rule": { "deductible notification threshold": { "USD": { "n": 1, "median": 500000, "min": 500000, "max": 500000, "p25": 500000, "p75": 500000, "mean": 500000 } }, "hurricane deductible offer": { "USD": { "n": 1, "median": 500, "min": 500, "max": 500, "p25": 500, "p75": 500, "mean": 500 } }, "deductible notice": { "year": { "n": 1, "median": 3, "min": 3, "max": 3, "p25": 3, "p75": 3, "mean": 3 } }, "roof deductible cap": { "%": { "n": 1, "median": 2, "min": 2, "max": 2, "p25": 2, "p75": 2, "mean": 2 } }, "supplemental claim bar": { "month": { "n": 1, "median": 18, "min": 18, "max": 18, "p25": 18, "p75": 18, "mean": 18 } }, "loss assessment claim bar": { "year": { "n": 1, "median": 3, "min": 3, "max": 3, "p25": 3, "p75": 3, "mean": 3 } }, "notice of claim bar": { "year": { "n": 1, "median": 1, "min": 1, "max": 1, "p25": 1, "p75": 1, "mean": 1 } }, "condominium loss assessment notice": { "day": { "n": 1, "median": 90, "min": 90, "max": 90, "p25": 90, "p75": 90, "mean": 90 } }, "law and ordinance cap": { "%": { "n": 1, "median": 25, "min": 25, "max": 25, "p25": 25, "p75": 25, "mean": 25 } }, "notice of availability": { "year": { "n": 1, "median": 3, "min": 3, "max": 3, "p25": 3, "p75": 3, "mean": 3 } }, "assignment of benefits": { "USD": { "n": 1, "median": 3000, "min": 3000, "max": 3000, "p25": 3000, "p75": 3000, "mean": 3000 } }, "appraisal clock": { "day": { "n": 1, "median": 90, "min": 90, "max": 90, "p25": 90, "p75": 90, "mean": 90 } }, "presuit notice tolling": { "day": { "n": 1, "median": 30, "min": 30, "max": 30, "p25": 30, "p75": 30, "mean": 30 } }, "mold remediator title prohibition": { "month": { "n": 1, "median": 12, "min": 12, "max": 12, "p25": 12, "p75": 12, "mean": 12 } } } }, "rows": [ { "source": "Florida Statutes 627.701 - liability of insured; coinsurance; deductibles", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.701", "figure": "$500,000 ", "value": 500000, "unit": "USD", "vat": null, "axis": { "rule": "deductible notification threshold" }, "retrieved_at": "2026-10-24", "quote": "Such notification shall be made on the declarations page of the policy at issuance and, for renewal, on the renewal declarations page of the policy or on the premium renewal notice. A personal lines residential property insurance policy covering a risk valued at less than $500,000 may not have a hurricane deductible in excess of 10 percent of the policy dwelling limits, unless the following condit", "source_class": "primary-government", "text_sha256": "3d0709928107120688f0944189fa9ab80870d21166859610f8ef7b5dc0122bfc" }, { "source": "Florida Statutes 627.701 - liability of insured; coinsurance; deductibles", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.701", "figure": "$500 ", "value": 500, "unit": "USD", "vat": null, "axis": { "rule": "hurricane deductible offer" }, "retrieved_at": "2026-10-24", "quote": "(7) Prior to issuing a personal lines residential property insurance policy on or after April 1, 1997, or prior to the first renewal of a residential property insurance policy on or after April 1, 1997, the insurer must offer a deductible equal to $500 applicable to losses from perils other than hurricane.", "source_class": "primary-government", "text_sha256": "3d0709928107120688f0944189fa9ab80870d21166859610f8ef7b5dc0122bfc" }, { "source": "Florida Statutes 627.701 - liability of insured; coinsurance; deductibles", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.701", "figure": "3 years", "value": 3, "unit": "year", "vat": null, "axis": { "rule": "deductible notice" }, "retrieved_at": "2026-10-24", "quote": "The insurer must provide the policyholder with notice of the availability of the deductible specified in this subsection in a form approved by the office at least once every 3 years.", "source_class": "primary-government", "text_sha256": "3d0709928107120688f0944189fa9ab80870d21166859610f8ef7b5dc0122bfc" }, { "source": "Florida Statutes 627.701 - liability of insured; coinsurance; deductibles", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.701", "figure": "2 percent", "value": 2, "unit": "%", "vat": null, "axis": { "rule": "roof deductible cap" }, "retrieved_at": "2026-10-24", "quote": "The roof deductible may not exceed the lesser of 2 percent of the Coverage A limit of the policy or 50 percent of the cost to replace the roof.", "source_class": "primary-government", "text_sha256": "3d0709928107120688f0944189fa9ab80870d21166859610f8ef7b5dc0122bfc" }, { "source": "Florida Statutes 627.70132 - notice of property insurance claim (2025)", "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.70132", "figure": "18 months", "value": 18, "unit": "month", "vat": null, "axis": { "rule": "supplemental claim bar" }, "retrieved_at": "2026-10-24", "quote": "A supplemental claim is barred unless notice of the supplemental claim was given to the insurer in accordance with the terms of the policy within 18 months after the date of loss.", "source_class": "primary-government", "text_sha256": "c6e67bb0440129a56d641da545c9f71fa5611a4f0729532dc8efe8d872366c22" }, { "source": "Florida Statutes 627.70132 - notice of property insurance claim (2025)", "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.70132", "figure": "3 years", "value": 3, "unit": "year", "vat": null, "axis": { "rule": "loss assessment claim bar" }, "retrieved_at": "2026-10-24", "quote": "(4)(a) A notice of claim for loss assessment coverage under s. 627.714 may not occur later than 3 years after the date of loss and must be provided to the insurer the later of:", "source_class": "primary-government", "text_sha256": "c6e67bb0440129a56d641da545c9f71fa5611a4f0729532dc8efe8d872366c22" }, { "source": "Florida Statutes 627.70132 - notice of property insurance claim (2025)", "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.70132", "figure": "1 year", "value": 1, "unit": "year", "vat": null, "axis": { "rule": "notice of claim bar" }, "retrieved_at": "2026-10-24", "quote": "Within 1 year after the date of loss; or", "source_class": "primary-government", "text_sha256": "c6e67bb0440129a56d641da545c9f71fa5611a4f0729532dc8efe8d872366c22" }, { "source": "Florida Statutes 627.70132 - notice of property insurance claim (2025)", "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.70132", "figure": "90 days", "value": 90, "unit": "day", "vat": null, "axis": { "rule": "condominium loss assessment notice" }, "retrieved_at": "2026-10-24", "quote": "Within 90 days after the date on which the condominium association or its governing board votes to levy an assessment resulting from a covered loss.", "source_class": "primary-government", "text_sha256": "c6e67bb0440129a56d641da545c9f71fa5611a4f0729532dc8efe8d872366c22" }, { "source": "Florida Statutes 627.7011 - homeowners' policies; offer of replacement cost coverage", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.7011", "figure": "25 percent", "value": 25, "unit": "%", "vat": null, "axis": { "rule": "law and ordinance cap" }, "retrieved_at": "2026-10-24", "quote": "However, additional costs necessary to meet applicable laws and ordinances may be limited to 25 percent or 50 percent of the dwelling limit, as selected by the policyholder, and such coverage applies only to repairs of the damaged portion of the structure unless the total damage to the structure exceeds 50 percent of the replacement cost of the structure.", "source_class": "primary-government", "text_sha256": "6dcf6e04ebcf9ce65c860c213c6fb6dcbc5355f6cb859f56bdb08c9926cb7181" }, { "source": "Florida Statutes 627.7011 - homeowners' policies; offer of replacement cost coverage", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.7011", "figure": "3 years", "value": 3, "unit": "year", "vat": null, "axis": { "rule": "notice of availability" }, "retrieved_at": "2026-10-24", "quote": "The insurer must provide the policyholder with notice of the availability of such coverage in a form approved by the office at least once every 3 years.", "source_class": "primary-government", "text_sha256": "6dcf6e04ebcf9ce65c860c213c6fb6dcbc5355f6cb859f56bdb08c9926cb7181" }, { "source": "Florida Statutes 627.7152 - assignment agreements", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.7152", "figure": "$3,000 ", "value": 3000, "unit": "USD", "vat": null, "axis": { "rule": "assignment of benefits" }, "retrieved_at": "2026-10-24", "quote": "An administrative fee. mage to the property, an assignee may not receive an assignment of post-loss benefits under a residential property insurance policy in excess of the greater of $3,000 or 1 percent of the Coverage A limit under such policy.", "source_class": "primary-government", "text_sha256": "cde3ee1028b2fe5d31d0102f2e70704717f5e413638716c23255863e0992df8f" }, { "source": "Florida Statutes 627.70152 - suits arising under a property insurance policy", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.70152", "figure": "90 days", "value": 90, "unit": "day", "vat": null, "axis": { "rule": "appraisal clock" }, "retrieved_at": "2026-10-24", "quote": "If the appraisal or alternative dispute resolution has not been concluded within 90 days after the expiration of the 10-day notice of intent to initiate litigation specified in subsection (3), the claimant or claimant’s attorney may immediately file suit without providing the insurer additional notice.", "source_class": "primary-government", "text_sha256": "20164efc2bd81c83ba26618019316399c0c00ef80091d1cd6ff6c2a2494457ac" }, { "source": "Florida Statutes 627.70152 - suits arising under a property insurance policy", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.70152", "figure": "30 days", "value": 30, "unit": "day", "vat": null, "axis": { "rule": "presuit notice tolling" }, "retrieved_at": "2026-10-24", "quote": "95.11 expire in the 30 days following the conclusion of the presuit notice process, such time limits are tolled for 30 days.", "source_class": "primary-government", "text_sha256": "20164efc2bd81c83ba26618019316399c0c00ef80091d1cd6ff6c2a2494457ac" }, { "source": "Florida Statutes 468.8419 - mold-related services; prohibitions", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0468.8419", "figure": "12 months", "value": 12, "unit": "month", "vat": null, "axis": { "rule": "mold remediator title prohibition" }, "retrieved_at": "2026-10-24", "quote": "(c) Use the name or title “certified mold remediator,” “registered mold remediator,” “licensed mold remediator,” “mold remediator,” “professional mold remediator,” or any combination thereof unless the person has complied with the provisions of this part. (d) Perform or offer to perform any mold assessment to a structure on which the mold remediator or the mold remediator’s company provided a mold", "source_class": "primary-government", "text_sha256": "7ef29e0ac8ddd7858fe14ec4976c644ae6a212b62efda95fce3d8824a4292aee" } ], "not_published": [ { "source": "Florida Statutes Chapter 468 Part XVI - mold-related services", "url": "https://www.flsenate.gov/Laws/Statutes/2024/Chapter468/PART_XVI/", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Florida Office of Insurance Regulation", "url": "https://floir.gov/", "retrieved_at": "2026-10-24", "reason": "every candidate on the page was refused" }, { "source": "Florida OIR catastrophe reporting", "url": "https://floir.gov/tools-and-data/catastrophe-reporting", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Citizens Property Insurance Corporation", "url": "https://www.citizensfla.com/", "retrieved_at": "2026-10-24", "reason": "read in full and no accepted figure on the page" }, { "source": "Florida Department of Financial Services, division of consumer services", "url": "https://www.myfloridacfo.com/division/consumers", "retrieved_at": "2026-10-24", "reason": "read in full and no accepted figure on the page" }, { "source": "Florida Administrative Code Chapter 61-31 (mold-related services)", "url": "https://www.flrules.org/gateway/ChapterHome.asp?Chapter=61-31", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" } ], "sources": [ { "url": "https://www.flsenate.gov/Laws/Statutes/2025/627.70132", "label": "Florida Statutes 627.70132 - notice of property insurance claim (2025)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.7011", "label": "Florida Statutes 627.7011 - homeowners' policies; offer of replacement cost coverage", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.701", "label": "Florida Statutes 627.701 - liability of insured; coinsurance; deductibles", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.7152", "label": "Florida Statutes 627.7152 - assignment agreements", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.70152", "label": "Florida Statutes 627.70152 - suits arising under a property insurance policy", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/0468.8419", "label": "Florida Statutes 468.8419 - mold-related services; prohibitions", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/Chapter468/PART_XVI/", "label": "Florida Statutes Chapter 468 Part XVI - mold-related services", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://floir.gov/", "label": "Florida Office of Insurance Regulation", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://floir.gov/tools-and-data/catastrophe-reporting", "label": "Florida OIR catastrophe reporting", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.citizensfla.com/", "label": "Citizens Property Insurance Corporation", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.myfloridacfo.com/division/consumers", "label": "Florida Department of Financial Services, division of consumer services", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flrules.org/gateway/ChapterHome.asp?Chapter=61-31", "label": "Florida Administrative Code Chapter 61-31 (mold-related services)", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 6 of the 12 named sources that could be read published a usable figure; 6 published none and are recorded as not published, never filled in; 0 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in year (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 4 figures, never sentences; 12 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): one row per rule with its statute, session year and effective date, quoted verbatim: the one-year notice bar and the eighteen-month supplemental bar, the law-and-ordinance cap the policyholder selects, the deductible and notice duties, what an assignment agreement may and may not carry after the 2022-23 reforms, the pre-suit notice and appraisal clock, and the ten-square-foot threshold above which mold work becomes a licensed activity that may not be done by the assessor. Beside each, the CHANGE HISTORY - this body of law was rewritten three times between 2021 and 2023, and most of what the market publishes is out of date; changed-since is the news", "embed": "

1 to 3 year

4 published figures, FL Water Claim Law and Coverage, across 3 sources, read 24 October 2026

Source: floridawaterdamagecost.com FL Water Claim Law and Coverage
" }