Homeowners’ Insurance Premium Discounts

Summary

The bill would obligate residential property insurers in Florida to lower policy premiums for homeowners who go three years without filing a non‑storm claim and for those who add approved wind‑storm mitigation features. It also bars insurers from using storm‑related or act‑of‑God claims to deny these discounts and sets up reporting and rule‑making by the Office of Insurance Regulation. The aim is to encourage risk‑reducing actions and make insurance more affordable.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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