Florida 2026 Session Status: Introduced 2 D cosponsors

SB 108 — Resolution of Disputed Property Insurance Claims

Last action — Died in Banking and Insurance

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  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Senate. Introduced October 07, 2025. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Not enough signal yet

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

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Summary

Resolution of Disputed Property Insurance Claims; Requiring, rather than authorizing, parties in a property insurance claim dispute to participate in mediation; providing that mediation is a condition precedent to commencing litigation; requiring all insureds, or their representatives, to attend the mediation; requiring the policyholder to provide the insurer with any information and certain documents within a specified timeframe after mediation is invoked; revising the definition of the term “claim”, etc. APPROPRIATION: $1,000,000

Bill Text

How this bill changes current law

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AI-generated reading aid from the bill's amendatory text — verify against the official bill.

The bill mandates mediation as a required step in property insurance claim disputes before litigation can commence, modifying existing procedures and requirements.

  • Section 627.7015

    may be requested only by the policyholder, as a first-party claimant, a third-party, as an assignee of the policy benefits, or the insurer. → are required to participate in mediation;

    This change requires all parties to engage in mediation instead of allowing them to choose whether to do so.

  • Section 627.7015

    Mediation may be requested only by the policyholder, as a first-party claimant, a third-party, as an assignee of the policy benefits, or the insurer. → Mediation is a condition precedent to, or before commencing litigation.

    This introduces mediation as a necessary step prior to initiating any litigation.

  • Section 627.7015

    However, An insurer is not required to participate in any mediation requested by a third-party assignee of the policy benefits.

    This change eliminates the exemption that allowed insurers to skip mediation requests by third-party assignees.

  • Section 627.7015

    The procedure set forth in this section is designed to bring the parties together for a mediated claims settlement conference without any of the trappings or drawbacks of an adversarial process. → The procedure set forth in this section is designed to bring the parties together for a mandatory mediated claims settlement conference.

    The bill emphasizes that mediation is now mandatory and not optional.

  • Section 627.7015

    An insurer is will be deemed to have failed to appear if the insurer’s representative lacks authority to settle the full value of the claim.

    This change clarifies the circumstances under which an insurer's nonappearance at mediation is considered a failure.

  • Section 627.7015

    The department shall may also adopt special rules that which are applicable in cases of an emergency within this the state, including emergency rules as necessary to establish physical addresses for the mediation program in areas affected by natural disasters. → The department shall adopt rules that are applicable in cases of an emergency within the state.

    This streamlines the authority of the department to create rules for emergency situations.

  • Section 627.7015

    A claim becomes eligible for mediation after the insurer complies with s. 627.70131(7) or elects to reinspect pursuant to s. 627.70152(4)(a)3. → A claim becomes eligible for mandatory mediation after the insurer complies with s. 627.70131(7) or elects to reinspect pursuant to s. 627.70152(4)(a)3.

    This reinforces the requirement for insurers to fulfill specific conditions before claims are eligible for mediation.

  • Section 627.7015

    that the parties may mutually agree to conduct the mediation by teleconference or other electronic means; → that all insureds, or their representatives, must attend the mediation;

    This emphasizes attendance at mediation as mandatory, rather than optional.

  • Section 627.7015

    If a settlement agreement is reached and is not rescinded, it is binding and acts as a release of all specific claims that were presented in that mediation conference.

    This clarifies that settlements reached in mediation are binding unless rescinded.

  • Section 627.7015

    The costs of mediation must be reasonable, and the insurer must bear all of the cost of conducting mediation conferences, except as otherwise provided in this section. → All costs of mediation must be reasonable, and the insurer must bear all of the costs, except as otherwise provided in this section.

    This reinforces the insurer's responsibility for mediation costs.

Action History

  1. Died in Banking and Insurance

  2. Introduced

  3. Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy

  4. Filed

Sponsors

Sponsorship breakdown

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1 sponsors · 1 co-sponsors · 162 not signed on

Sponsors (1)

Co-sponsors (1)

Not signed on (162)

162 members have not signed on to this bill.

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"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

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Frequently asked questions

What does SB 108 do?
Resolution of Disputed Property Insurance Claims; Requiring, rather than authorizing, parties in a property insurance claim dispute to participate in mediation; providing that mediation is a condition precedent to commencing litigation; requiring all insureds, or their representatives, to attend the mediation; requiring the policyholder to provide the insurer with any information and certain documents within a specified timeframe after mediation is invoked; revising the definition of the term “claim”, etc. APPROPRIATION: $1,000,000
Who sponsors SB 108?
SB 108 is sponsored by Smith, Carlos Guillermo (Democrat) and Polsky, Tina Scott (Democrat).
What is the current status of SB 108?
This bill has been introduced in the Senate. Introduced October 07, 2025. It must pass committee before a floor vote.
Where can I track SB 108?
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Last checked for changes 2 months ago · updated continuously

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