PART I. RATES AND RATING ORGANIZATIONS

SECTION 627.011. Short title.

SECTION 627.021. Scope of this part.

SECTION 627.031. Purposes of this part; interpretation.

SECTION 627.041. Definitions.

SECTION 627.0612. Administrative proceedings in rating determinations.

SECTION 627.0613. Consumer advocate.

SECTION 627.062. Rate standards.

SECTION 627.0621. Transparency in rate regulation.

SECTION 627.0625. Commercial property and casualty risk management plans.

SECTION 627.0628. Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption.

SECTION 627.06281. Public hurricane loss projection model; reporting of data by insurers.

SECTION 627.0629. Residential property insurance; rate filings.

SECTION 627.06291. Excess profits of residential property insurer; return.

SECTION 627.06292. Reports of hurricane loss data and associated exposure data; public records exemption.

SECTION 627.0645. Annual filings.

SECTION 627.06501. Insurance discounts for certain persons completing driver improvement course.

SECTION 627.0651. Making and use of rates for motor vehicle insurance.

SECTION 627.0652. Insurance discounts for certain persons completing safety course.

SECTION 627.0653. Insurance discounts for specified motor vehicle equipment.

SECTION 627.06535. Electric vehicles; restrictions on imposing surcharges.

SECTION 627.0654. Insurance discounts for buildings with fire sprinklers.

SECTION 627.0655. Policyholder loss or expense-related premium discounts.

SECTION 627.066. Excessive profits for motor vehicle insurance prohibited.

SECTION 627.0665. Automatic bank withdrawal agreements; notification required.

SECTION 627.072. Making and use of rates.

SECTION 627.091. Rate filings; workers’ compensation and employer’s liability insurances.

SECTION 627.0915. Rate filings; workers’ compensation, drug-free workplace, and safe employers.

SECTION 627.0916. Agricultural horse farms.

SECTION 627.092. Workers’ Compensation Administrator.

SECTION 627.093. Application of s. 286.011 to workers’ compensation and employer’s liability insurances.

SECTION 627.096. Workers’ Compensation Rating Bureau.

SECTION 627.101. When filing becomes effective; workers’ compensation and employer’s liability insurances.

SECTION 627.111. Effective date of filing.

SECTION 627.141. Subsequent disapproval of filing; workers’ compensation and employer’s liability insurances.

SECTION 627.151. Basis of approval or disapproval of workers’ compensation or employer’s liability insurance filing; scope of disapproval power.

SECTION 627.1615. Workers’ compensation applicant discrimination.

SECTION 627.162. Requirements for premium installments; delinquency, collection, and check return charges; attorney’s fees.

SECTION 627.171. Excess rates.

SECTION 627.191. Adherence to filings; workers’ compensation and employer’s liability insurances.

SECTION 627.192. Workers’ compensation insurance; employee leasing arrangements.

SECTION 627.211. Deviations; workers’ compensation and employer’s liability insurances.

SECTION 627.212. Workplace safety program surcharge.

SECTION 627.215. Excessive profits for commercial property and commercial casualty insurance prohibited.

SECTION 627.221. Rating organizations; licensing; fee.

SECTION 627.231. Subscribers to rating organizations.

SECTION 627.241. Notice of changes.

SECTION 627.251. Bureau rules not to affect dividends.

SECTION 627.261. Actuarial and technical services.

SECTION 627.281. Appeal from rating organization; workers’ compensation and employer’s liability insurance filings.

SECTION 627.285. Independent actuarial peer review of workers’ compensation rating organization.

SECTION 627.291. Information to be furnished insureds; appeal by insureds; workers’ compensation and employer’s liability insurances.

SECTION 627.301. Advisory organizations.

SECTION 627.311. Joint underwriters and joint reinsurers; public records and public meetings exemptions.

SECTION 627.312. Transitional provisions.

SECTION 627.3121. Public records and public meetings exemptions.

SECTION 627.313. Workers’ Compensation Joint Underwriting Plan; audit requirements.

SECTION 627.314. Concerted action by two or more insurers.

SECTION 627.318. Records.

SECTION 627.331. Recording and reporting of loss, expense, and claims experience; rating information.

SECTION 627.351. Insurance risk apportionment plans.

SECTION 627.3511. Depopulation of Citizens Property Insurance Corporation.

SECTION 627.3512. Recoupment of residual market deficit assessments.

SECTION 627.3513. Standards for sale of bonds by Citizens Property Insurance Corporation.

SECTION 627.3515. Market assistance plan; property and casualty risks.

SECTION 627.3517. Consumer choice.

SECTION 627.3518. Citizens Property Insurance Corporation policyholder eligibility clearinghouse program.

SECTION 627.35191. Required reports.

SECTION 627.35193. Consumer reporting agency request for claims data from Citizens Property Insurance Corporation.

SECTION 627.352. Security of data and information technology in Citizens Property Insurance Corporation.

SECTION 627.357. Medical malpractice self-insurance.

SECTION 627.361. False or misleading information.

SECTION 627.371. Hearings.

SECTION 627.381. Penalty for violation.

PART II. THE INSURANCE CONTRACT

SECTION 627.401. Scope of this part.

SECTION 627.402. Definitions.

SECTION 627.4025. Residential coverage and hurricane coverage defined.

SECTION 627.403. “Premium” defined.

SECTION 627.4035. Payment of premiums; claims.

SECTION 627.404. Insurable interest; personal insurance.

SECTION 627.405. Insurable interest; property.

SECTION 627.406. Power to contract; purchase of insurance by or for minor.

SECTION 627.407. Alteration of application.

SECTION 627.408. Application as evidence.

SECTION 627.4085. Insurer name, agent name, and license identification number required on application.

SECTION 627.409. Representations in applications; warranties.

SECTION 627.4091. Specific reasons for denial, cancellation, or nonrenewal.

SECTION 627.40951. Standard personal lines residential insurance policy.

SECTION 627.410. Filing, approval of forms.

SECTION 627.4101. Credit insurance enrollment forms.

SECTION 627.4102. Informational filing of forms.

SECTION 627.4105. Life and health insurance; reduced premiums upon rigorous physical examination.

SECTION 627.4107. Government employees exposed to toxic drug chemicals; cancellation of life or health policy or certificate prohibited.

SECTION 627.411. Grounds for disapproval.

SECTION 627.412. Standard provisions, in general.

SECTION 627.413. Contents of policies, in general; identification.

SECTION 627.4131. Telephone number required.

SECTION 627.4132. Stacking of coverages prohibited.

SECTION 627.4133. Notice of cancellation, nonrenewal, or renewal premium.

SECTION 627.4135. Casualty insurance contracts subject to general provisions for insurance contracts.

SECTION 627.4136. Nonjoinder of insurers.

SECTION 627.4137. Disclosure of certain information required.

SECTION 627.4138. Wrap-up insurance policies for nonpublic construction projects.

SECTION 627.414. Additional policy contents.

SECTION 627.4143. Outline of coverage.

SECTION 627.4145. Readable language in insurance policies.

SECTION 627.4147. Medical malpractice insurance contracts.

SECTION 627.4148. Medical malpractice insurers; required offer of coverage limits.

SECTION 627.41495. Public notice of medical malpractice rate filings.

SECTION 627.415. Charter, bylaw provisions.

SECTION 627.416. Execution of policies.

SECTION 627.417. Underwriters’ and combination policies.

SECTION 627.418. Validity of noncomplying contracts.

SECTION 627.419. Construction of policies.

SECTION 627.4195. Health insurance; claims for payment of psychotherapeutic services; confidentiality.

SECTION 627.420. Binders.

SECTION 627.4205. Coverage identification number required.

SECTION 627.421. Delivery of policy.

SECTION 627.422. Assignment of policies or post-loss benefits.

SECTION 627.423. Payment discharges insurer.

SECTION 627.4232. Health insurance out-of-hospital benefits.

SECTION 627.4233. Total disability defined.

SECTION 627.4234. Health insurance cost containment provisions required.

SECTION 627.4235. Coordination of benefits.

SECTION 627.4236. Coverage for bone marrow transplant procedures.

SECTION 627.4237. Sickness disability or disability due to sickness.

SECTION 627.4238. Health insurer examinations.

SECTION 627.4239. Coverage for use of drugs in treatment of cancer.

SECTION 627.42391. Insurance policies; cancer treatment parity; orally administered cancer treatment medications.

SECTION 627.42392. Prior authorization.

SECTION 627.42393. Step-therapy protocol.

SECTION 627.42395. Coverage for certain prescription and nonprescription enteral formulas.

SECTION 627.42396. Reimbursement for telehealth services.

SECTION 627.42397. Coverage for air ambulance services.

SECTION 627.424. Minor may give acquittance.

SECTION 627.425. Forms for proof of loss to be furnished.

SECTION 627.426. Claims administration.

SECTION 627.4265. Payment of settlement.

SECTION 627.427. Payment of judgment by insurer; penalty for failure.

SECTION 627.428. Attorney fees.

SECTION 627.429. Medical tests for HIV infection and AIDS for insurance purposes.

SECTION 627.4295. Dental procedures; anesthesia and hospitalization coverage.

SECTION 627.4301. Genetic information for insurance purposes.

SECTION 627.4302. Identification cards for processing prescription drug claims.

SECTION 627.43141. Notice of change in policy terms.

SECTION 627.441. Commercial general liability policies; coverage to contractors for completed operations.

SECTION 627.442. Insurance contracts.

SECTION 627.443. Essential health benefits.

SECTION 627.444. Loss run statements for all lines of insurance.

PART III. LIFE INSURANCE AND ANNUITY CONTRACTS

SECTION 627.451. Scope of this part.

SECTION 627.452. Standard provisions required.

SECTION 627.453. Grace period.

SECTION 627.454. Entire contract; statements in application.

SECTION 627.455. Incontestability.

SECTION 627.4553. Recommendations to surrender.

SECTION 627.4554. Annuity investments.

SECTION 627.4555. Secondary notice.

SECTION 627.4556. Life insurance automatic policy loan provision.

SECTION 627.456. Misstatement of age or sex.

SECTION 627.457. Dividends.

SECTION 627.458. Policy loan.

SECTION 627.4585. Maximum rate of interest on policy loans.

SECTION 627.459. Reinstatement.

SECTION 627.460. Authority to alter contract.

SECTION 627.4605. Replacement notice.

SECTION 627.461. Settlement on proof of death.

SECTION 627.4615. Interest payable on death claim payments.

SECTION 627.462. Table of installments.

SECTION 627.463. Excluded or restricted coverage.

SECTION 627.464. Annuity contracts, pure endowment contracts; standard provisions.

SECTION 627.465. Annuity contracts, pure endowment contracts; grace period.

SECTION 627.466. Annuity contracts, pure endowment contracts; incontestability.

SECTION 627.467. Annuity contracts, pure endowment contracts; entire contract.

SECTION 627.468. Annuity contracts, pure endowment contracts; misstatement of age or sex.

SECTION 627.469. Annuity contracts, pure endowment contracts; dividends.

SECTION 627.470. Annuity contracts, pure endowment contracts; reinstatement.

SECTION 627.471. Reversionary annuities; standard provisions.

SECTION 627.472. Incontestability after reinstatement.

SECTION 627.473. Policy settlements.

SECTION 627.474. Policy must contain entire contract.

SECTION 627.475. Nonforfeiture benefits; certain interim policies.

SECTION 627.476. Standard Nonforfeiture Law for Life Insurance.

SECTION 627.479. Prohibited policy plans.

SECTION 627.480. Cash payments of single-premium life policies.

SECTION 627.481. Requirements for certain annuity agreements.

SECTION 627.482. Interest payable on cash surrender of policy.

PART IV. INDUSTRIAL LIFE INSURANCE POLICIES

SECTION 627.501. Scope of this part.

SECTION 627.502. “Industrial life insurance” defined; reporting.

SECTION 627.503. Required provisions.

SECTION 627.504. Grace period.

SECTION 627.5045. Secondary notice.

SECTION 627.505. Entire contract; statements in application.

SECTION 627.506. Incontestability.

SECTION 627.507. Misstatement of age or sex.

SECTION 627.508. Dividends.

SECTION 627.509. Reinstatement.

SECTION 627.510. Settlement on proof of death.

SECTION 627.511. Authority to alter contract.

SECTION 627.512. Beneficiary.

SECTION 627.513. Facility of payment.

SECTION 627.514. Nonforfeiture benefits; certain interim policies.

SECTION 627.515. Title of industrial life insurance policy.

SECTION 627.516. Advance payment of premiums.

SECTION 627.517. Conversion.

SECTION 627.521. Disclosure statements.

SECTION 627.522. Policy requirements and prohibitions.

PART V. GROUP LIFE INSURANCE POLICIES

SECTION 627.551. Group contracts and plans of self-insurance must meet group requirements.

SECTION 627.5515. Out-of-state groups.

SECTION 627.552. Employee groups.

SECTION 627.553. Debtor groups.

SECTION 627.554. Labor union groups.

SECTION 627.555. Trustee groups.

SECTION 627.556. Credit union groups.

SECTION 627.5565. Additional groups.

SECTION 627.5567. Group life insurance; association groups.

SECTION 627.5575. Group life insurance for dependents.

SECTION 627.558. Provisions required in group contracts.

SECTION 627.559. Grace period.

SECTION 627.560. Incontestability.

SECTION 627.561. Application; statements deemed representations.

SECTION 627.562. Insurability.

SECTION 627.563. Misstatement of age.

SECTION 627.564. Payment of benefits.

SECTION 627.565. Certificate.

SECTION 627.566. Conversion on termination of eligibility.

SECTION 627.567. Conversion on termination of policy.

SECTION 627.568. Death pending conversion.

SECTION 627.5685. Continuance of coverage during disability.

SECTION 627.5686. Waiver of premium for disabled insured.

SECTION 627.569. Use of dividends, refunds, rate reductions, commissions, service fees.

SECTION 627.570. Premium rates.

SECTION 627.571. Assignment of incidents of ownership in group life insurance policies, including conversion privileges.

SECTION 627.5725. Notification to insureds of cancellation or expiration.

SECTION 627.573. Replacement or termination of group life insurance; liability of prior insurer.

SECTION 627.574. Liability of succeeding insurer on replacement of group policy.

SECTION 627.575. Extension of benefits.

PART VI. HEALTH INSURANCE POLICIES

SECTION 627.601. Scope of this part.

SECTION 627.6011. Mandated coverages.

SECTION 627.602. Scope, format of policy.

SECTION 627.603. Death benefits.

SECTION 627.604. Nonresident insured.

SECTION 627.6041. Children with disabilities; continuation of coverage.

SECTION 627.6043. Notification of cancellation, nonrenewal, or change in rates.

SECTION 627.6044. Use of a specific methodology for payment of claims.

SECTION 627.6045. Preexisting condition.

SECTION 627.6046. Limit on preexisting conditions.

SECTION 627.605. Required provisions; captions, omissions, substitutions.

SECTION 627.6056. Coverage for ambulatory surgical center service.

SECTION 627.606. Entire contract; changes.

SECTION 627.607. Time limit on certain defenses.

SECTION 627.608. Grace period.

SECTION 627.609. Reinstatement.

SECTION 627.610. Notice of claim.

SECTION 627.611. Claim forms.

SECTION 627.612. Proof of loss.

SECTION 627.613. Time of payment of claims.

SECTION 627.6131. Payment of claims.

SECTION 627.614. Payment of claims.

SECTION 627.6141. Denial of claims.

SECTION 627.615. Physical examination, autopsy.

SECTION 627.616. Legal actions.

SECTION 627.617. Change of beneficiary.

SECTION 627.618. Optional policy provisions.

SECTION 627.619. Change of occupation.

SECTION 627.620. Misstatement of age or sex.

SECTION 627.621. Other insurance with this insurer.

SECTION 627.622. Insurance with other insurers.

SECTION 627.623. Insurance with other insurers; other benefits.

SECTION 627.624. Relation of earnings to insurance.

SECTION 627.625. Unpaid premiums.

SECTION 627.6265. Cancellation or nonrenewal prohibited.

SECTION 627.627. Conformity with statutes.

SECTION 627.628. Illegal occupation.

SECTION 627.629. Intoxicants and narcotics.

SECTION 627.630. Order of certain provisions.

SECTION 627.631. Third-party ownership.

SECTION 627.632. Requirements of other jurisdictions.

SECTION 627.633. Other policy provisions.

SECTION 627.634. Age limit.

SECTION 627.635. Excess insurance.

SECTION 627.636. Industrial health insurance.

SECTION 627.637. Construction of noncomplying contracts.

SECTION 627.638. Direct payment for hospital, medical services.

SECTION 627.6385. Disclosures to policyholders; calculations of cost sharing.

SECTION 627.6387. Shared savings incentive program.

SECTION 627.639. Application signed by agent.

SECTION 627.640. Filing of classifications and rates.

SECTION 627.6401. Refunds for persons age 64.

SECTION 627.6402. Insurance rebates for healthy lifestyles.

SECTION 627.64025. Advanced practice registered nurse services.

SECTION 627.6403. Payment of acupuncture benefits to certified acupuncturists.

SECTION 627.6405. Decreasing inappropriate utilization of emergency care.

SECTION 627.6406. Maternity care.

SECTION 627.6407. Massage.

SECTION 627.6408. Diabetes treatment services.

SECTION 627.6409. Coverage for osteoporosis screening, diagnosis, treatment, and management.

SECTION 627.641. Coverage for newborn children.

SECTION 627.6415. Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.

SECTION 627.6416. Coverage for child health supervision services.

SECTION 627.6417. Coverage for surgical procedures and devices incident to mastectomy.

SECTION 627.64171. Coverage for length of stay and outpatient postsurgical care.

SECTION 627.64172. Requirements with respect to breast cancer and routine followup care.

SECTION 627.6418. Coverage for mammograms.

SECTION 627.6419. Requirements with respect to breast cancer.

SECTION 627.64193. Required coverage for cleft lip and cleft palate.

SECTION 627.64194. Coverage requirements for services provided by nonparticipating providers; payment collection limitations.

SECTION 627.64195. Requirements for opioid coverage.

SECTION 627.64196. Medication synchronization.

SECTION 627.64197. Coverage for organ transplants.

SECTION 627.642. Outline of coverage.

SECTION 627.6425. Renewability of individual coverage.

SECTION 627.6426. Short-term health insurance.

SECTION 627.643. Uniform minimum standards.

SECTION 627.644. Discrimination against handicapped prohibited.

SECTION 627.645. Denial of health insurance claims restricted.

SECTION 627.646. Conversion on termination of eligibility.

SECTION 627.647. Standard health claim form.

SECTION 627.6471. Contracts for reduced rates of payment; limitations; coinsurance and deductibles.

SECTION 627.6472. Exclusive provider organizations.

SECTION 627.64725. Health maintenance organization or exclusive provider organization; disclosure of terms and conditions of plan.

SECTION 627.6473. Combined preferred provider and exclusive provider policies.

SECTION 627.64731. Leasing, renting, or granting access to a participating provider.

SECTION 627.6474. Provider contracts.

SECTION 627.64741. Pharmacy benefit manager contracts.

SECTION 627.6475. Individual reinsurance pool.

SECTION 627.6487. Guaranteed availability of individual health insurance coverage to eligible individuals.

SECTION 627.64995. Restrictions on use of state and federal funds for state exchanges.

PART VII. GROUP, BLANKET, AND FRANCHISE HEALTH INSURANCE POLICIES

SECTION 627.651. Group contracts and plans of self-insurance must meet group requirements.

SECTION 627.6512. Exemption of certain group health insurance policies.

SECTION 627.6513. Scope.

SECTION 627.6515. Out-of-state groups.

SECTION 627.6516. Trustee groups.

SECTION 627.652. Group health insurance; definitions.

SECTION 627.6525. Short-term health insurance.

SECTION 627.653. Employee groups.

SECTION 627.654. Labor union, association, and small employer health alliance groups.

SECTION 627.655. Debtor groups.

SECTION 627.6551. Teacher and student groups.

SECTION 627.656. Additional groups.

SECTION 627.6561. Preexisting conditions.

SECTION 627.65612. Limit on preexisting conditions.

SECTION 627.65615. Special enrollment periods.

SECTION 627.6562. Dependent coverage.

SECTION 627.65625. Prohibiting discrimination against individual participants and beneficiaries based on health status.

SECTION 627.65626. Insurance rebates for healthy lifestyles.

SECTION 627.6563. Full-time employment defined.

SECTION 627.657. Provisions of group health insurance policies.

SECTION 627.6571. Guaranteed renewability of coverage.

SECTION 627.6572. Pharmacy benefit manager contracts.

SECTION 627.65735. Nondiscrimination of coverage for surgical procedures.

SECTION 627.65736. Coverage for organ transplants.

SECTION 627.6574. Maternity care.

SECTION 627.65745. Diabetes treatment services.

SECTION 627.6575. Coverage for newborn children.

SECTION 627.65755. Dental procedures; anesthesia and hospitalization coverage.

SECTION 627.6577. Dental care.

SECTION 627.6578. Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.

SECTION 627.6579. Coverage for child health supervision services.

SECTION 627.658. Use of dividends, refunds, rate reductions, commissions, service fees; premium rates.

SECTION 627.659. Blanket health insurance; eligible groups.

SECTION 627.660. Conditions and provisions of blanket health insurance policies.

SECTION 627.661. School accident insurance claims; policy service.

SECTION 627.6612. Coverage for surgical procedures and devices incident to mastectomy.

SECTION 627.66121. Coverage for length of stay and outpatient postsurgical care.

SECTION 627.66122. Requirements with respect to breast cancer and routine followup care.

SECTION 627.6613. Coverage for mammograms.

SECTION 627.6615. Children with disabilities; continuation of coverage under group policy.

SECTION 627.6616. Coverage for ambulatory surgical center service.

SECTION 627.6617. Coverage for home health care services.

SECTION 627.6618. Payment of acupuncture benefits to certified acupuncturists.

SECTION 627.6619. Massage.

SECTION 627.662. Other provisions applicable.

SECTION 627.6621. Advanced practice registered nurse services.

SECTION 627.663. Franchise health insurance.

SECTION 627.664. Assignment of incidents of ownership in group, blanket, or franchise health policies.

SECTION 627.6645. Notification of cancellation, expiration, nonrenewal, or change in rates.

SECTION 627.6646. Cancellation or nonrenewal prohibited.

SECTION 627.6647. Release of claims experience.

SECTION 627.6648. Shared savings incentive program.

SECTION 627.6651. Replacement or termination of group, blanket, or franchise health policy or contract; liability of prior insurer.

SECTION 627.666. Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy.

SECTION 627.667. Extension of benefits.

SECTION 627.6675. Conversion on termination of eligibility.

SECTION 627.668. Optional coverage for mental and nervous disorders required; exception.

SECTION 627.6686. Coverage for individuals with autism spectrum disorder required; exception.

SECTION 627.669. Optional coverage required for substance abuse impaired persons; exception.

SECTION 627.6691. Coverage for osteoporosis screening, diagnosis, treatment, and management.

SECTION 627.66911. Required coverage for cleft lip and cleft palate.

SECTION 627.6692. Florida Health Insurance Coverage Continuation Act.

SECTION 627.6698. Attorney’s fees.

SECTION 627.6699. Employee Health Care Access Act.

SECTION 627.66996. Restrictions on use of state and federal funds for state exchanges.

SECTION 627.66997. Stop-loss insurance.

PART VIII. MEDICARE SUPPLEMENT POLICIES

SECTION 627.671. Medicare supplement reform; short title.

SECTION 627.672. Definitions.

SECTION 627.673. Designation as Medicare supplement policy; penalties for violations.

SECTION 627.6735. Order to discontinue certain advertising.

SECTION 627.6736. Filing requirements for out-of-state group policies.

SECTION 627.6737. Reporting of multiple policies.

SECTION 627.674. Minimum standards; filing requirements.

SECTION 627.6741. Issuance, cancellation, nonrenewal, and replacement.

SECTION 627.6742. Permitted compensation arrangements.

SECTION 627.6743. Standards for marketing.

SECTION 627.6744. Recommended purchase and excessive insurance.

SECTION 627.6745. Loss ratio standards; public rate hearings.

SECTION 627.6746. Compliance with Omnibus Budget Reconciliation Acts.

SECTION 627.675. Mandated coverages inapplicable to Medicare supplement policies unless specifically made applicable.

PART IX. CREDIT LIFE AND DISABILITY INSURANCES

SECTION 627.676. Scope of this part.

SECTION 627.677. Definitions.

SECTION 627.678. Rules.

SECTION 627.6785. Filing of rates with department.

SECTION 627.679. Amount of insurance; disclosure.

SECTION 627.681. Term and evidence of insurance.

SECTION 627.682. Filing, approval of forms.

SECTION 627.683. Licensed agent required.

SECTION 627.684. Premium not deemed loan or finance charge.

SECTION 627.6841. Credit insurance consolidations; general requirements.

SECTION 627.6842. Group-to-group consolidations.

SECTION 627.6843. Consolidation disclosure requirements.

SECTION 627.6844. Replacement rules.

SECTION 627.6845. Policy forms used in connection with consolidations.

PART X. PROPERTY INSURANCE CONTRACTS

SECTION 627.701. Liability of insureds; coinsurance; deductibles.

SECTION 627.7011. Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.

SECTION 627.70121. Payment of claims for dual interest property.

SECTION 627.70131. Insurer’s duty to acknowledge communications regarding claims; investigation.

SECTION 627.70132. Notice of windstorm or hurricane claim.

SECTION 627.7015. Alternative procedure for resolution of disputed property insurance claims.

SECTION 627.70151. Appraisal; conflicts of interest.

SECTION 627.7016. Insurer contracts with building contractors.

SECTION 627.70161. Family day care insurance.

SECTION 627.7017. Hurricane loss mitigation projects.

SECTION 627.7018. Standards for determining risk of coverage.

SECTION 627.7019. Standardization of requirements applicable to insurers after natural disasters.

SECTION 627.702. Valued policy law.

SECTION 627.705. Return of unearned premium on overinsured personal property.

SECTION 627.706. Sinkhole insurance; catastrophic ground cover collapse; definitions.

SECTION 627.7061. Coverage inquiries.

SECTION 627.7063. Building code effectiveness grading schedule.

SECTION 627.707. Investigation of sinkhole claims; insurer payment; nonrenewals.

SECTION 627.7072. Testing standards for sinkholes.

SECTION 627.7073. Sinkhole reports.

SECTION 627.7074. Alternative procedure for resolution of disputed sinkhole insurance claims.

SECTION 627.711. Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form.

SECTION 627.712. Residential windstorm coverage required; availability of exclusions for windstorm or contents.

SECTION 627.713. Report of hurricane loss data.

SECTION 627.714. Residential condominium unit owner coverage; loss assessment coverage required.

SECTION 627.7142. Homeowner Claims Bill of Rights.

SECTION 627.715. Flood insurance.

SECTION 627.7151. Limited sinkhole coverage insurance.

SECTION 627.7152. Assignment agreements.

SECTION 627.7153. Policies restricting assignment of post-loss benefits under a property insurance policy.

PART XI. MOTOR VEHICLE AND CASUALTY INSURANCE CONTRACTS

SECTION 627.7261. Refusal to issue policy.

SECTION 627.7263. Rental and leasing driver’s insurance to be primary; exception.

SECTION 627.727. Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection.

SECTION 627.7275. Motor vehicle liability.

SECTION 627.7276. Notice of limited coverage.

SECTION 627.7277. Notice of renewal premium.

SECTION 627.728. Cancellations; nonrenewals.

SECTION 627.7281. Cancellation notice.

SECTION 627.7282. Notice of additional premium; cancellation upon nonpayment.

SECTION 627.7283. Cancellation; return of unearned premium.

SECTION 627.7285. Experience while operating a train.

SECTION 627.7286. Renewal of policy and setting of rates; certain experience not a factor.

SECTION 627.7288. Comprehensive coverage; deductible not to apply to motor vehicle glass.

SECTION 627.7295. Motor vehicle insurance contracts.

SECTION 627.72951. Temporary binding permitted.

SECTION 627.730. Florida Motor Vehicle No-Fault Law.

SECTION 627.731. Purpose.

SECTION 627.7311. Effect of law on personal injury protection policies.

SECTION 627.732. Definitions.

SECTION 627.733. Required security.

SECTION 627.734. Proof of security; security requirements; penalties.

SECTION 627.736. Required personal injury protection benefits; exclusions; priority; claims.

SECTION 627.737. Tort exemption; limitation on right to damages; punitive damages.

SECTION 627.739. Personal injury protection; optional limitations; deductibles.

SECTION 627.7401. Notification of insured’s rights.

SECTION 627.7403. Mandatory joinder of derivative claim.

SECTION 627.7405. Insurers’ right of reimbursement.

SECTION 627.7407. Application of the Florida Motor Vehicle No-Fault Law.

SECTION 627.7415. Commercial motor vehicles; additional liability insurance coverage.

SECTION 627.742. Nonpublic sector buses; additional liability insurance coverage.

SECTION 627.743. Payment of third-party claims.

SECTION 627.744. Preinsurance inspection of private passenger motor vehicles.

SECTION 627.745. Mediation of claims.

SECTION 627.746. Coverage for minors who have a learner’s driver license; additional premium prohibited.

SECTION 627.748. Transportation network companies.

SECTION 627.749. Autonomous vehicles; insurance requirements.

PART XII. SURETY INSURANCE CONTRACTS

SECTION 627.751. Surety on required bonds; release.

SECTION 627.752. Bonds in judicial proceedings.

SECTION 627.754. Sureties upon official bonds.

SECTION 627.756. Bonds for construction contracts; attorney fees in case of suit.

SECTION 627.758. Surety on auto club traffic arrest bond; conditions, limit; bail bond.

SECTION 627.759. Estoppel to deny power.

PART XIII. TITLE INSURANCE CONTRACTS

SECTION 627.7711. Definitions.

SECTION 627.776. Applicability or inapplicability of Florida Insurance Code provisions to title insurers.

SECTION 627.777. Approval of forms.

SECTION 627.7773. Accounting and auditing of forms by title insurers.

SECTION 627.7776. Furnishing of supplies; civil liability.

SECTION 627.778. Limit of risk.

SECTION 627.780. Illegal dealings in premium.

SECTION 627.782. Adoption of rates.

SECTION 627.783. Rate deviation.

SECTION 627.7831. Commitments; charges; collection.

SECTION 627.784. Casualty title insurance prohibited.

SECTION 627.7841. Insurance against adverse matters or defects in the title.

SECTION 627.7842. Policy exceptions.

SECTION 627.7843. Property information reports.

SECTION 627.7845. Determination of insurability required; preservation of evidence of title search and examination.

SECTION 627.785. Preemption by state.

SECTION 627.786. Transaction of title insurance and any other kind of insurance prohibited.

SECTION 627.7865. Title insurer assessments.

SECTION 627.791. Penalties against title insurers for violations by persons or entities not licensed.

SECTION 627.792. Liability of title insurers for defalcation by title insurance agents or agencies.

SECTION 627.796. Errors and omissions policy requirements.

SECTION 627.797. Exempt agent list.

SECTION 627.798. Rulemaking authority.

PART XIV. VARIABLE OR INDETERMINATE VALUE CONTRACTS

SECTION 627.801. Application of this part.

SECTION 627.8015. “Indeterminate value contracts” and “variable contracts” defined.

SECTION 627.802. Establishment and maintenance of separate accounts.

SECTION 627.803. Statement of value of benefits.

SECTION 627.804. Investment of assets.

SECTION 627.805. Regulation of variable and indeterminate value contracts; rules.

SECTION 627.8055. Qualification of companies to issue variable or indeterminate value contracts.

SECTION 627.806. Applicability of code to indeterminate value contracts and variable life insurance contracts and accounts.

SECTION 627.807. Variable or indeterminate value contract reserve requirements.

PART XV. PREMIUM FINANCE COMPANIES AND AGREEMENTS

SECTION 627.826. “Premium finance company” defined.

SECTION 627.827. “Premium finance agreement” defined.

SECTION 627.828. License required.

SECTION 627.8281. Levy upon deposit.

SECTION 627.829. Approval, disapproval of application; license renewal.

SECTION 627.832. Grounds for refusal, suspension, or revocation of license.

SECTION 627.833. Administrative fine and probation in lieu of suspension, revocation, or refusal to renew license.

SECTION 627.834. Examinations.

SECTION 627.835. Excessive premium finance charge; penalty.

SECTION 627.836. Licensee’s books and records; reports.

SECTION 627.838. Filing and approval of forms; service charges.

SECTION 627.839. Form and content of premium finance agreements.

SECTION 627.840. Limitation on service and other charges.

SECTION 627.8405. Prohibited acts; financing companies.

SECTION 627.841. Delinquency, collection, cancellation, and check return charges; attorney’s fees.

SECTION 627.842. Restrictions on premium finance agreements.

SECTION 627.843. Delivery of copy of premium finance agreement.

SECTION 627.844. Assignment of premium finance agreement.

SECTION 627.845. Statement of account; receipts.

SECTION 627.847. Extensions or deferrals.

SECTION 627.848. Cancellation of insurance contract upon default.

SECTION 627.849. Fees.

PART XVI. PREMIUM FINANCING

SECTION 627.901. Premium financing by an insurance agent or agency.

SECTION 627.902. Premium financing by an insurer or subsidiary.

SECTION 627.903. Premium finance cost specified.

SECTION 627.904. Insurer filing; approval of forms; service charge filing.

PART XVII. INSURER REPORTING

SECTION 627.911. Scope of this part.

SECTION 627.912. Professional liability claims and actions; reports by insurers and health care providers; annual report by office.

SECTION 627.9122. Officers’ and directors’ liability claims; reports by insurers.

SECTION 627.9126. Reports by liability insurers.

SECTION 627.913. Reports by products liability insurers.

SECTION 627.914. Reports of information by workers’ compensation insurers required.

SECTION 627.915. Insurer experience reporting.

SECTION 627.917. Uniform risk classification reporting system for motor vehicle insurance.

SECTION 627.9175. Reports of information on health and accident insurance.

SECTION 627.918. Reporting formats.

SECTION 627.919. Maintenance of insurance data.

PART XVIII. LONG-TERM CARE INSURANCE POLICIES

SECTION 627.9401. Short title.

SECTION 627.9402. Purpose.

SECTION 627.9403. Scope.

SECTION 627.9404. Definitions.

SECTION 627.9405. Authorized groups; filing requirements.

SECTION 627.9406. Out-of-state group long-term care insurance.

SECTION 627.9407. Disclosure, advertising, and performance standards for long-term care insurance.

SECTION 627.94071. Minimum standards for home health care benefits.

SECTION 627.94072. Mandatory offers.

SECTION 627.94073. Notice of cancellation; grace period.

SECTION 627.94074. Standards for benefit triggers.

SECTION 627.94075. A qualified state Long-Term Care Insurance Partnership Program in Florida.

SECTION 627.94076. Time limit on certain defenses.

SECTION 627.9408. Rules.

PART XIX. PURCHASING GROUPS AND RISK RETENTION GROUPS

SECTION 627.941. Purpose.

SECTION 627.942. Definitions.

SECTION 627.943. Risk retention groups certified in Florida.

SECTION 627.944. Risk retention groups not certificated in this state.

SECTION 627.945. Compulsory association.

SECTION 627.946. Countersignatures not required.

SECTION 627.947. Purchasing groups; exemption from certain insurer provisions.

SECTION 627.948. Notice and registration requirements of purchasing groups.

SECTION 627.949. Restrictions on insurance purchased by purchasing groups.

SECTION 627.950. Administrative and procedural authority regarding risk retention and purchasing groups.

SECTION 627.951. Penalties; cease and desist orders; injunctions.

SECTION 627.952. Risk retention and purchasing group agents.

SECTION 627.953. Binding effect of orders issued in United States District Court.

SECTION 627.954. Rules.

SECTION 627.955. Limitation on deductibles.

PART XX. FINANCIAL GUARANTY INSURANCE

SECTION 627.971. Definitions.

SECTION 627.972. Organization; financial requirements.

SECTION 627.973. Limitations.

SECTION 627.974. Filing of policy forms and rates.

SECTION 627.975. Reinsurance.

PART XXI. MORTGAGE INSURANCE CONSOLIDATIONS

SECTION 627.981. Scope of part.

SECTION 627.982. Definitions.

SECTION 627.983. General requirements.

SECTION 627.984. Group-to-group consolidations.

SECTION 627.985. Disclosure requirements.

SECTION 627.986. Replacement rules.

SECTION 627.987. Policy forms.