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SB 108

Resolution of Disputed Property Insurance Claims

2026 Regular Session Introduced by Tina Polsky

SB 108 establishes dispute resolution procedures for contested property insurance claims in Florida, affecting how insurers and homeowners resolve coverage and settlement disagreements.

Died in Banking and Insurance
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WeVote Research Nonpartisan
Bill Summary · SB 108

Legislative bill overview

SB 108 appears to establish a formal process for resolving disputes between property owners and insurance companies regarding claim denials, coverage disputes, or settlement amounts. The bill likely creates or modifies procedures for handling contested insurance claims in Florida, potentially including mediation, arbitration, or other dispute resolution mechanisms.

Why is this important

Property insurance disputes directly affect homeowners' ability to recover from damage to their homes and belongings. Given Florida's active hurricane season and recent insurance market instability, clear dispute resolution processes can prevent prolonged financial hardship for policyholders while providing insurers with predictable resolution procedures.

Potential points of contention

  • Insurer cost concerns: Insurance companies may worry that new dispute resolution requirements increase operational costs, potentially raising premiums for all policyholders
  • Timeline and access: Questions about whether the process is accessible and timely enough for homeowners, or if it creates delays that leave people without housing repairs during recovery periods
  • Standard of review: Disagreement over who decides disputes (judges, arbitrators, independent adjusters) and what standards they use to evaluate insurer decisions versus policyholder claims

Compiled from official sources — confirm details with the bill’s official record.

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