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If you operate as an insurer in Florida, you must ensure all claim denials are reviewed by qualified professionals or face potential audits by the OIR.
State
Florida
Bill Number
H1555
Status
Enacted
Risk Level
High
Category
Comprehensive
Last Action
Jun 16, 2025
Last Verified
May 4, 2026
Data Updated
May 4, 2026
Version
v3
What do these statuses mean?▼
Introduced— Filed in the legislature; not yet heard in committee
In Committee— Assigned to and being reviewed by a legislative committee
Passed— Approved by one or both chambers; awaiting further action
Signed / Enacted— Signed into law by the governor; may or may not be in effect yet
Dead / Vetoed— Vetoed, failed to pass, or session expired without action
Unknown— Status data not yet available or awaiting classification
This legislation impacts surplus lines insurers in Florida by requiring compliance with valued policy law and mandating human oversight in claim denial processes. It prohibits the use of AI and automated systems in decision-making related to claims, ensuring that qualified professionals review and approve all denials. Insurers must maintain records of this review process and provide detailed denial communications to claimants.
Key Provisions
Surplus lines insurers must comply with valued policy law.
AI and automated systems cannot be used to deny claims.
All claim denials must be reviewed and signed off by qualified human professionals.
Insurers must maintain records of the human review process for denied claims.
Insurers must provide specific information in denial communications to claimants.
OIR is authorized to audit claim denials.
Latest Legislative Action
Died in Insurance & Banking Subcommittee
Bill Sponsors
Name
Role
District
Hillary CasselR
Sponsor
HD-101
Compliance Checklist
Ensure all claim denials are reviewed by qualified professionals Who: Surplus lines insurers Penalty: Potential audits by the OIR
Maintain records of the human review process for denied claims Who: Surplus lines insurers Penalty: Potential audits by the OIR
The bill requires surplus lines insurers in Florida to comply with the valued policy law, ensuring that claims are evaluated fairly and transparently. A significant aspect of the legislation is the prohibition of artificial intelligence, machine learning algorithms, and automated systems from being used as a basis for denying claims. Instead, all decisions to deny claims must be reviewed, approved, and signed off by qualified human professionals. Insurers are also required to maintain records of the human review process for denied claims and must include specific information in denial communications to claimants. The Office of Insurance Regulation (OIR) is authorized to audit claim denials to ensure compliance with these requirements. This bill aligns with growing concerns about the accountability and transparency of automated decision-making in the insurance sector, reflecting a broader trend in regulatory approaches to AI and technology.
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