ORLANDO, Fla. – It’s been just above two weeks given that the governor signed an insurance policies invoice into legislation, but individuals tell News 6 that not every insurance policies agent is up to speed on what the law incorporates.

Sheila Guzman said just about every 12 months her anxiety starts when it is time for her residence insurance plan to renew, and this 12 months is no distinct.

“Because I really do not know what to anticipate,” Guzman stated.

In accordance to her statements, in 2020 her high quality was $815. In 2021, it jumped to $1500, and if she chooses to renew this 12 months, it will be nearly $4,000.

“I could not feel it,” Guzman stated. “I mean, I experienced to re-examine the letter. I believed they experienced produced a oversight.”

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It was no mistake and the letter that arrived alongside with the assertion verified it.

“Many of our consumers have been given or will get considerable top quality improves with their most up-to-date renewal present,” according to the letter.


“We’ve witnessed boosts all over the decades, but under no circumstances this significantly,” Guzman reported.

Guzman is like so quite a few Floridians, confronted with rising residence insurance coverage charges and seeking for relief soon after lawmakers passed a new legislation to tackle the problem during a distinctive legislative session.

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When she started out wanting for option coverage, she explained she did not imagine insurance policy brokers had been up to velocity on the laws that was passed.

“Because I’ve listened to them say, ‘We have no term but and this is what we have’ and what they have is not what was mentioned in the session,” Guzman reported.

Her roof was changed in April of 2009, in accordance to a roof substitution deal, which helps make it 13 years old.

Brokers have explained to Guzman that insurers will not produce her a coverage mainly because of the age of her roof, in accordance to Guzman.

But Senate Invoice 2-D, which took influence two weeks ago, prohibits insurers from not creating policies for householders with roofs “less than 15 a long time outdated exclusively because of the age of the roof,” according to the law.

Paul Handerhan is the president of the Federal Association for Insurance policies Reform, Honest.


There generally is some time of confusion where by people today have to determine out what the law suggests when new legislation is handed, in accordance to Haderhan.

“These persons are chaotic jogging their corporations every single solitary working day, they likely have not read the expenses,” Handerhan said.

When the Florida Affiliation of Insurance plan Brokers tracks laws, there are around 100,000 insurance coverage agents across the state, and all of the info may well not have trickled down to every agent, according to Handerhan.

“It’s very frequent that the moment laws is handed, most people today who do not abide by that laws genuinely really don’t know what’s passed,” Handerhan claimed. “They really don’t know how it impacts their community companies, and I’m sympathetic to that, but when the law turns into the regulation you have to abide by the law.”

If you’re wanting for coverage ideal now, make positive you are familiar with the law. If you consider the agent is not common with the new legislation, have them double-examine.


Extended term, if an agent gives you undesirable info, and it impacts you adversely, you could file an faults and omissions claim.

Examine the full textual content of SB 2-D below:

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