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2024 FLORIDA SESSION UPDATE -- Week 2
The Florida Legislature completed the second week of its nine-week 2024 legislative session. Republicans control the Governor and Cabinet seats and hold veto-proof majorities in both chambers of the Legislature. With most of Governor DeSantis’ priority issues completed last session, the House and Senate are turning to a few of their own priority issues. In the health insurance arena, Senate President Kathleen Passidomo passed a health care work force package called Live Healthy Florida of the Senate floor on January 18th. Speaker Paul Renner is focused on health price transparency. On the property insurance front, CFO Jimmy Patronis wants to further expand the My Safe Florida Home program. Various bills to expand Citizens Property Insurance have been filed. But by and large, the Governor and Legislature have stated that they want to stay the course on previous homeowner’s insurance reforms.
LIFE
1. HB 989/SB 1098 – Department of Financial Services
By Rep. LaMarca and Sen. DiCeglie
Unclaimed Property – lowers value of reporting amount from $50 to $10; numerous other updates. See General Insurance section for further details on these bills.
2. HB 939/SB 1066 – Consumer Protection
By Rep. Griffitts and Sen. Burton
Unclaimed property – only the Department of Financial Services can initiate Qui Tam action, as opposed to third parties, which have done so in the past. See General Insurance section for further details on these bills.
HEALTH
1. HB 1549/ SB 1640 – Price Transparency – Shared Savings and Advanced Explanation of Benefits
By Rep. Grant and Sen. Collins
HB 1549 passed the first of its three committees on January 16. The Senate package has not been heard.
This is a large health care workforce package that is potentially being matched up with the Senate President’s Live Healthy Florida package (SB 7016), which has passed the Senate floor. However, the bill contains two onerous provisions regarding Shared Savings and Advanced EOBs. We are working to remove these provisions from the bill.
2. HB 1475/SB 1574 – Prior Authorization
By Rep. Berfield and Sen. James
These bills would rewrite current law on prompt pay and prior authorization for commercial plans. They contain numerous onerous provisions. Neither bill has been heard in committee yet.
3. HB 639/SB 568 – Ground Ambulance
By Rep. Yaeger and Sen. Hooper
SB 568 has passed the first of its three committees with a committee substitute amendment. HB 639 was referred to four committees and has not yet been heard.
The bills define the terms “ambulance service provider” and “nonparticipating ambulance service provider”; requiring certain health insurers to reimburse nonparticipating ambulance service providers at a specified rate for providing ground ambulance services; prohibiting certain cost-sharing responsibilities paid from exceeding a certain amount; and requiring certain health maintenance contracts to require a health maintenance organization to reimburse out-of-network ambulance service providers at a specified rate for providing covered services.
4. HB 885/SB 964 – Biomarker Testing
By Rep. Pittman and Sen. Calatayud
Both bills have been referred to three committees. The House bill will be heard in its first committee on January 22nd.
The bills authorize AHCA to pay for biomarker testing under the Medicaid program for specified purposes, subject to specific appropriations; specifies circumstances under which such payments may be made; requires clear, readily accessible, & convenient process for authorization requests for biomarker testing. The bill also requires commercial individual health insurance policies; group, blanket, & franchise health insurance policies; & health maintenance contracts to provide coverage for biomarker testing for certain purposes and specifies the circumstances under which such coverage may be provided.
5. HB 1535/SB 680 – Protection of Medical Freedom
By Rep. Plakon and Sen. Gruters
The Senate bill received three committees of reference. The House bill only received two committee references. These bills have not been heard. A similar bill was filed last year and was never heard in committee.
The bill prohibits the Department of Health from requiring enrollment in the state’s immunization registry or otherwise requiring persons to submit to immunization tracking. Prohibits business entities from requiring individuals to provide proof of vaccination or postinfection recovery from any communicable disease to gain access to, entry upon, or service from such entities. Adds a person’s vaccination and immunity status to the prohibited forms of discrimination by local housing assistance plans. Prohibits employers from refusing employment to, or discharging, disciplining, demoting, or otherwise discriminating against, an individual solely on the basis of vaccination or immunity status. Prohibits places of public accommodation from discriminating on the basis of vaccination or immunity status and finally prohibits the Department of Health from requiring, as a school-entry requirement, that children receive immunizations approved only for emergency use.
6. HB 851/SB 876 – Nonprofit Agricultural Organizational Health Coverage
By Rep. Anderson and Sen. DiCeglie
Both bills received three committees of reference. This bill is being pushed by the Florida Farm Bureau. They would like to implement something similar to what the Tennessee Farm Bureau did many years ago.
The bill seeks to create a nonprofit agricultural health coverage option to the Florida Farm Bureau members that would permit medical underwriting of group members.
7. HB 241/SB 56 – Skin Cancer Screening Mandate
By Rep. Massullo, MD and Sen. Harrell
HB 241 was heard in the first of its three committees, Health Innovation, on January 16 and passed by a vote of 14-0. The bill was amended to limit the benefits only to the state group plan. SB 56 was also referred to three committees and will be heard in its first committee on January 22nd.
The bills would require individual health insurance policies; group, blanket, & franchise health insurance policies; & HMOs to provide coverage & payment for annual skin cancer screenings performed by licensed dermatologist without imposing any cost-sharing requirement. The bills also specify requirement for & restriction on payments for such screenings.
8. HB 1431/SB 1750 – International Reference Rx Pricings
By Rep. Fine and Sen. Gruters
HB 1431 received three committee references and will be heard on January 22nd in its first committee. SB 1750 has been referred to three committees but has not yet been heard.
The bills require prescription drug manufacturer permitholders to annually report certain international price data to AHCA; provides for administrative enforcement via specified fine & permit suspension; requires AHCA to contract with entity to designate reference price source countries & establish reference prices for prescription drugs based on certain criteria; requires agency contractor to weigh reference price benchmark value of such countries in two or more tiers, using specified criteria; requires agency contractor to analyze specified data to compare prices among source countries using specified exchange rate source; requires agency contractor to establish reference price for prescribed drugs or products; requires agency contractor to provide reference prices by specified date each year; requires AHCA to publish prices online within specified time; requires pharmacies to charge no more than reference price for cash-paying patients; requires certain health insurers to provide reimbursement for certain prescription drugs no higher than reference price; requires health insurers to use certain savings to offset certain payer costs; requires each health insurer to document anticipated savings & premium reductions in rate filings following availability of reference prices; requires each health insurer to assess actuarial effect of reference pricing program for each insurer product for each plan year; requires each health insurer to submit annual report on assessed effect of such program to OIR or AHCA; requires OIR & AHCA to submit joint report to Governor & Legislature; requires every health maintenance organization to comply with provisions of specified section.
9. SB 1608 – 340B Program
By Sen. Brodeur
SB 1608 was referred to three committees but has not yet been heard. This bill did not receive a House companion measure.
The bill would prohibit certain actions by health insurance issuers, pharmacy benefit managers, or other third-party payors, or their agents, relating to reimbursement to a 340B entity for 340B drugs; prohibit certain actions by manufacturers relating to interference with the acquisition of a 340B drug; and prohibit a manufacturer’s interference with a pharmacy’s right to contract with a 340B entity.
10. HB 938/SB 1036 – Short-Term Health Insurance Disclosures
See description of DFS Consumer Protection bill in General Insurance Section.
DENTAL
1. HB 1219/SB 892 – Dental Insurance Claims
By Rep. Harrell and Sen. Black
The House and Senate bills received three committee references. Neither bill is scheduled to be heard in week 3.
The bills would create an onerous definition of Noncovered services, undoing current law which follows the NCOIL model. They also include prior authorization and credit card restrictions.
PROPERTY
1. HB 41/SB 348 - Mortgage Loans and Insurance Payments Grant Program
By Rep. Edmonds and Sen. Book
The bill is being filed by a freshman democrat and has received three committees of reference. The Senate version has been filed by the Minority Leader. I would not expect this bill to move.
The bill creates a grant program within the Department of Commerce to assist Senior Citizens with a one-time grant of up to $2,500 for a mortgage loan or homeowners’ insurance and a one-time grant of up to $2,500 for motor vehicle insurance.
2. HB 1017/ SB 102 - Property Insurance
By Rep. Edmonds and Sen. Jones
The Senate bill has received three committees of reference, and the House bill has been referred to three committees. I would not expect this bill to move.
The bill establishes the Property Insurance Commission, made up of members from the House and Senate with the purpose of reviewing market data from the Office of Insurance Regulation and reserve requirements for insurers. The bill also creates a lobbying ban on members who serve on the Commission. New requirements include:
· An insurer must release to an insured all information relating to an inspection or an underwriting report upon the insured’s request.
· Requires that a property insurer that issues or renews an insurance policy or contract covering real property in this state on or after January 1, 2025, may not use a property’s preexisting condition, a date of loss that predates the date of a claim, or faulty installation or workmanship as a defense for denying a claim.
· Requires each time legislation creating or amending law to reform property insurance takes effect, property insurers offer a premium rate reduction to their insureds.
3. HB 1439/SB 178 – Resolution of Disputed Property Insurance Claims
By Rep. Waldon and Sen. Polsky
The House and Senate bills have received three committees of reference.
The bill requires parties in a property insurance claims dispute to participate in mediation. Allows for teleconference mediation if both parties sign off.
4. HB 293/SB 600 Hurricane Protection for Homeowners’ Associations
By Rep. Sirois and Sen. Ingoglia
Both the House and Senate bills have received three committees of reference. The House bill passed House Regulatory Reform and Economic Development Subcommittee by a vote of 13-0.
The bill requires an HOA or any ARC to adopt hurricane protection specifications for each structure or other improvement on a parcel governed by the HOA. The specifications may include the color and style of hurricane protection products and any other factor deemed relevant by the board. All specifications adopted by the HOA must comply with the applicable building code.
The bill allows the HOA or ARC to require a parcel owner to adhere to an existing unified building scheme regarding the external appearance of the structure or other improvement on the parcel.
The bill provides that, regardless of any other provision in the HOA’s governing documents, the HOA or ARC may not deny an application for the installation, enhancement, or replacement of hurricane protection by a parcel owner which conforms to the specifications adopted by the HOA or ARC.
The bill provides that "hurricane protection” includes, but is not limited to:
· Metal roofs,
· Permanent fixed storm shutters,
· Roll-down track storm shutters,
· Impact-resistant windows and doors,
· Polycarbonate panels,
· Reinforced garage doors,
· Erosion controls, and
· Other hurricane protection products used to preserve and protect the structures or improvements on a parcel governed by the HOA.
The bill aims to protect the health, safety, and welfare of the people of the state and to ensure uniformity and consistency in the hurricane protection installed by parcel owners. The bill applies to all HOAs in the state, regardless of when the community was created.
5. SB 500 – Surplus Requirements for Residential Property Insurers
By Sen. Stewart
The Senate bill has received three committees of reference, but no House companion has been filed. This bill is probably dead for session.
The bill simply increases the surplus dollar amount from $15 million to $20 million for a surplus lines company, and fazes in high caps over the next 7 years.
6. HB 889/SB 1106 – Coverage by Citizens Property Insurance Corporation
By Rep. Berfield and Sen. Hooper
The House bill only received two committees of reference, while the Senate bill received three committee references. The bill passed the Senate Banking and Insurance committee on January 16th.
The bill revises certain minimum replacement costs to a set amount of $1 million or more as risk amounts ineligible for coverage by Citizens Property Insurance Corporation for personal lines residential structures and single condominium units. Prohibits coverage for certain dwelling structures and single condominium units if the replacement cost is $700,000 or if the risk is offered comparable coverage from an authorized insurer at the insurer's approved rate under a standard policy including wind coverage.
7. HB 893/SB 1428 – Coverage by Citizens Property Insurance Corporation
By Rep. Lopez (V) and Sen. DiCeglie
The House bill received two committee references and the Senate has three committee references. The bill has not yet been heard.
The bill allows Citizens to create its own wind-eligible areas subject to approval by the Legislature. In developing new eligibility criteria and rates, the corporation may consider the market for wind-only coverage in the areas in which wind-only coverage is to be offered, the resulting impact to the corporation's overall exposure of offering such coverage in those areas, as well as reasonably prudent measures for limiting its exposure upon offering wind-only coverage in those areas.
8. HB 1503/SB 1716 – Citizens Property Insurance Corporation
By Rep. Esposito and Sen. Boyd
This House bill and the Senate bill have three committee references. With Sen. Boyd as the sponsor, I expect this bill to move. The bill will be heard in the Senate Banking and Insurance on January 22nd.
The bill and cleans up administrative functions of Citizens and updates some out of date language. Citizens has been working on moving all expenses into a single account, this bill will help facilitate that function.
9. HB 565/SB 604 – Coverage by Citizens Property Insurance Corporation
By Rep. Mooney and Sen. Rodriguez
The House bill received only two committees of reference, while the Senate bill received three committees of reference. I would expect this bill to move.
The bill sets a cap in counties which are determined to lack a reasonable degree of competition, in which Citizens shall not impose a rate increase that exceeds 10 percent for any single policy, excluding changes and surcharges. The bill allows homeowners not to purchase flood insurance if a policy provides coverage in Zone X as designated by the Federal Emergency Management Agency or for structures that are elevated at least 1 foot above the flood zone's minimum base flood elevation.
10. HB 625 – Property Insurance Coverage
By Rep. Buchanan
Only a House bill has been filed and it received two committees of reference. The House bill passed its first committee by a vote of 16-0. This bill may not pass without a Senate companion but the language will more than likely end up in another bill.
The bill removes an ineligibility requirement for condos covered through Citizens Property Insurance in which more than 50 percent of the units are rented more than eight times in a calendar year for rental agreements of less than 30 days.
The bill also modifies the age of a roof language for homeowner policies by allowing an authorized commercial roof inspector to provide documentation regarding the remaining use of life for the roof.
11. HB 655/SB 802 – Condominium Windstorm Pilot Program
By Rep. Cassel and Sen. Rogriguez
Both Houe and Senate bills have received three committees of reference. Neither bill made it on week 3 agendas.
The bill requires OIR to establish Condominium Windstorm Pilot Program to provide insurance coverage to residential condominium associations which covers the actual cash value of the roof of a participating condominium, rather than the replacement cost value. The bill sets requirements for how a condominium can participate in the pilot program. Requires insurance policies issued under the pilot program to align with the reserves of an association.
12. HB 731/SB 1024 – Insurance Claims
By Rep. Botana and Sen. Grall
The House bill has received three committees of reference, and the Senate bill to receive three committees of reference as well. We would expect the bill not to move.
The bill requires the Office of Insurance Regulation to consider the recovery of funds under specified provisions in reviewing rates and requires insurers to report the recovery of funds to the OIR.
13. HB 749/SB 1766 – Flood Damage Prevention
By Rep. Basabe
The House and Senate bills received three committees of reference. The Senate bill will be heard in its first committee on January 22nd.
The bill provides the specified maximum voluntary freeboard requirements for new construction and substantial improvements to existing construction of 10 feet. Requires the Florida Building Commission to develop and adopt by rule a minimum freeboard requirement by a specified date of November 1, 2024 and to incorporate such requirements into the next edition of the Florida Building Code. Requires the commission to review the freeboard requirements in the Florida Building Code every 5 years.
14. HB 809/SB 1070 – Personal Lines Residential Property Insurance
By Rep. Garcia and Sen. Garcia
The House bill has received three committees of reference, and the Senate bill received three committees of reference. I would not expect this bill to move.
This bill allows for a personal lines residential property insurance policy to only cover what a homeowner owes on the principal of their mortgage.
15. HB 1611/SB 1622 Insurance – OIR Department Package
By Rep. Stevenson and Sen. Trumbull
These bills have not been heard yet. The office has expressed that modernizing the reciprocal statute is needed. The Meenan team is working with the office to address these issues along with many others in the bill. OIR is working to narrow the focus of these bills, mainly focused on the property market.
The bill:
· Specifically authorizes the Office of Insurance Regulation to conduct a market conduct examination of the attorney in fact of a reciprocal as often as it deems necessary
· Requires monthly instead of quarterly reporting by insurers of personal and commercial residential policy information down to the zip code level
· Adds a new definition of “affiliated person” in the reciprocal insurer chapter, Chapter 629, patterned after that term as defined in the insurance exchange statutes, Section 629.401(6)(b)I(l)
· Adds a definition of “controlling company” in the reciprocal insurer chapter, Chapter 629,
· Adds a definition of “reciprocal insurer” which is very similar to the current definition and combines a number of current statutes regarding assessable and nonassessable reciprocal insurers
· Specifically applies the unearned premium reserve language now applicable to insurance exchanges pursuant to 629.401(6)(b)24 to reciprocal insurers, with the exception that the minimum unearned premium reserve must be at least $300,000 instead of $100,000
· Requires that the surplus of a reciprocal insurer must be as provided for in Section 624.407 for the type of insurance to be transacted—in the case of a reciprocal insurer transacting residential insurance, the minimum surplus requirement is $15 million
· Specifically applies the permit requirements to form a domestic insurer found in Section 628.051 to reciprocal insurers in addition to the specific requirements applicable to reciprocal insurers
· Provides that modifications of the terms of the subscribers’ agreement, the Subscribers’ Advisory Committee charter or the power of attorney must be filed with and approved in writing by the Office before becoming effective
· Provides requirements for a reciprocal insurer to borrow money
· Requires the attorney in fact to file an annual statement in the same manner as domestic stock insurers
· Applies the acquisition provisions of Section 628.461 to the attorney fact of a reciprocal insurer
· Requires specified background information from acquirers or organizers of a reciprocal insurer
· Provides standards for mergers and conversions of reciprocal insurers
· Repeals and reorganizes current statutory provisions related to reciprocal insurers
16. SB 7028 – My Safe Florida Home Program
This Senate committee bill was heard in Senate Banking and Insurance on January 16th and passed by a vote of 10-0. The House companion measure, HB 1263, is identical. It was referred to 3 committees and has not yet been heard.
The Bill:
· Allow a subsequent application for a mitigation inspection or mitigation grant only under certain circumstances;
· Authorize the Department of Financial Services (DFS) to request additional information from the applicant if the application contains apparent errors or omissions;
· Provide that an applicant meeting the requirements for a mitigation inspection may receive an inspection even if the applicant is not eligible for a mitigation grant or the applicant does not apply for such grant;
· Require the homeowner to agree to provide information received from the homeowner’s insurer identifying the premium discounts realized by the homeowner due to the mitigation improvements funded through the program;
· Provide that the DFS will not maintain a list of participating contractors, but rather, the homeowner must use a properly licensed contractor for the project;
· Revise the list grant eligible improvements to specify the inclusion of windows and skylights;
· Require the DFS to prioritize applications for the first 60 days it accepts inspection applications and grant applications following an appropriation based on the following:
· First, applications from low-income homeowners who are at least 60 years old;
· Second, applications from all other low-income homeowners;
· Third, applications from moderate-income homeowners who are at least 60 years old;
· Fourth, applications from all other moderate-income homeowners; and
· Lastly, all other applications;
· Revise provisions regarding the distribution of the MSFH Program brochure which provides information on the benefits to homeowners of residential hurricane damage mitigation; and
· Reorganize and rephrase certain provisions within the statute to provide better clarity.
The bill appropriates, for the 2024-2025 fiscal year, $100 million in nonrecurring funds from the General Revenue Fund to the Department of Financial Services to provide mitigation grants under the MSFH Program and $7 million for administrative costs related to implementation.
17. HB 1029/SB 1366 – My Safe Florida Condominium Pilot Program
By Rep. Lopez and Sen. DiCeglie
Both House and Senate bills received three committees of reference.
The bill creates the My Safe Florida Condominium Pilot Program within the Department of Financial Services. The program, depending on appropriation seeks to help condominium associations with fiscal accountability, contract management, and strategic leadership. Condominiums can apply for Hurricane Mitigation inspections and grants that match one condo dollar to $2 state dollars.
18. HB 1143/SB 1208 – My Safe Florida Home Programs
By Rep. Cross and Sen. Martin
The House and Senate bills have received three committee references. I would not expect this bill to pass, the state is already appropriating hundreds of millions of dollars to the My Safe Florida Home Program and this expansion while well intention deviates from wind only hardening. Other bills of this type are moving.
The bill simply as flood mitigation to the My Safe Florida Homes Programs. The bill does set guidelines for which flood zones could be eligible for this program.
19. HB 293/SB 600 Hurricane Protection for Homeowners’ Associations
By Rep. Sirois and Sen. Ingoglia
Both the House and Senate bills have received three committees of reference. The House bill passed House Regulatory Reform and Economic Development Subcommittee by a vote of 13-0.
The bill requires an HOA or any ARC to adopt hurricane protection specifications for each structure or other improvement on a parcel governed by the HOA. The specifications may include the color and style of hurricane protection products and any other factor deemed relevant by the board. All specifications adopted by the HOA must comply with the applicable building code.
The bill allows the HOA or ARC to require a parcel owner to adhere to an existing unified building scheme regarding the external appearance of the structure or other improvement on the parcel.
The bill provides that, regardless of any other provision in the HOA’s governing documents, the HOA or ARC may not deny an application for the installation, enhancement, or replacement of hurricane protection by a parcel owner which conforms to the specifications adopted by the HOA or ARC.
The bill provides that "hurricane protection” includes, but is not limited to:
· Metal roofs,
· Permanent fixed storm shutters,
· Roll-down track storm shutters,
· Impact-resistant windows and doors,
· Polycarbonate panels,
· Reinforced garage doors,
· Erosion controls, and
· Other hurricane protection products used to preserve and protect the structures or improvements on a parcel governed by the HOA.
The bill provides that in order to protect the health, safety, and welfare of the people of the state and to ensure uniformity and consistency in the hurricane protection installed by parcel owners, the bill applies to all HOAs in the state, regardless of when the community was created.
20. HB 749/SB 1766 – Flood Damage Prevention
By Rep. Basabe
The House and Senate bills received three committees of reference. The Senate bill will be heard in its first committee on January 22nd.
The bill provides the specified maximum voluntary freeboard requirements for new construction and substantial improvements to existing construction of 10 feet. Requires the Florida Building Commission to develop and adopt by rule a minimum freeboard requirement by a specified date of November 1, 2024 and to incorporate such requirements into the next edition of the Florida Building Code. Requires the commission to review the freeboard requirements in the Florida Building Code every 5 years.
21. HB 1149/SB 1104 – Policy Cancellations and Nonrenewals by Property Insurers
By Rep. Botana and Sen. Botana
The House and Senate bills have received three committees of reference. The Senate bill will be heard in Banking and Insurance on January 22nd.
The bill seeks to stop an insurer from canceling or nonrenewing a commercial policy until 90 days after a repair has been completed, however the bill does set some reasonable guidelines that would negate this new requirement if the insured is playing shenanigans. Similar language is already in the residential property statute.
22. HB 1205/SB 1186 – Insurance Solutions Advisory Council
By Rep. Harris and Sen. Berman
The Senate bill received three committees references and House bill received three committee references. I would expect this bill not to pass.
The bill creates the Insurance Solutions Advisory Council within the Office of Insurance Regulation for specified purposes of analyzing and compiling available data and evaluate relevant and applicable information relating to Florida’s property and automobile insurance market.
23. HB 1293/SB 1668 – Florida Hurricane Catastrophe Fund and Reinsurance Assistance
By Rep. Andrade and Sen. DiCeglie
The House and Senate bill will receive three committees of reference. Neither bill has been heard.
The bill freezes the cash build up factor for a 12-month period for contracts in 2024-2025. Requires that the hurricane loss portion of a specified formula be determined by averaging the results of certain catastrophe models. Requires that the savings realized as a result of the freeze of the cash build up factor be passed to the consumers. Authorizes rather than requiring eligible RAP insurers to purchase RAP coverage under a certain program. Deletes calculations for specified amounts of losses to determine reimbursement under the program.
The bill also revises the coverage layers of the Florida Optional Reinsurance Assistance (FORA) program. Revises the calculation of premiums under the program and requires a transfer of a specified amount from the FORA Fund into the Florida Hurricane Catastrophe Fund.
24. HB 1661/SB 1724 – Property Insurer Financial Strength Ratings
By Rep. Roach and Sen. Grall
The House and Senate bills will receive three committee references. Neither bill has been heard. It’s unlikely that this bill will pass.
Requires OIR's annual insurance reports to Governor & Legislature to include financial strength ratings of property insurers against which delinquency & similar proceedings were instituted. Requires office to maintain information relating to financial strength ratings of property insurers & to make such information available upon request.
AUTO
1. HB 653/SB 464 – Motor Vehicle Insurance (PIP Repeal)
By Rep. Alvarez and Sen. Grall
These bills have not been heard.
This is the PIP repeal bill for the 2024 Legislative Session. It has been filed by members of the legislature who are plaintiffs’ attorneys. The bill repeals Florida’s Motor Vehicle No-Fault Law and replaces it with a bodily injury liability system. In talks with leadership in the House, they have told us that PIP repeal is off the table for this session.
2. HB 1651/SB 1782 – Attorney Fees Under Florida Motor Vehicle No-Fault Law
By Rep. Synder and Sen. Martin
Both House and Senate bills received three committees of reference. It’s unclear if this bill has any traction.
Provides awards of attorney fees based on judgements or decrees in lawsuits between insurers & named or omnibus insureds, or named beneficiaries, under Florida Motor Vehicle No-Fault Law.
3. HB 1433/SB 194 – Motor Vehicle Repair Work
By Rep. Baker and Sen. Gruters
The House and Senate bills received three committees of reference. These bills have not been heard.
This bill is cited as the "Lilly Glaubach Act." It requires a motor vehicle repair shop must, before preparing a written repair estimate required by subsection (2), request that the customer provide a written crash report as specified under s. 316.066. Requires the motor vehicle repair shop to deliver transaction forms to law enforcement by a certain time. Authorizes the department to revoke a vehicle repair shop’s registration under certain circumstances.
4. HB 215/SB 846 – Risk Retention Groups
By Rep. Truenow and Sen. DiCeglie
The House bill received two committees of reference and passed its first committee 18-0. The Senate bill has passed its first of three committees.
The bill establishes that motor vehicle insurance coverage issued by RRGs operating under federal law, and registered to do business in the state, satisfies the financial responsibility requirements of state motor vehicle law.
5. HB 247/SB 736 Services Provided by the Department of Highway Safety and Motor Vehicles or Its Agents
By Rep. Maney and Sen. Trumbull
Both the House and Senate bills have received three committees of reference. The House bill passed its first of three committees on January 19th.
The bill address matters related to the Department of Highway Safety and Motor Vehicles (DHSMV) or its agents. The bill:
· Revises the application and affidavit requirements for the transfer of ownership of a motor vehicle or mobile home if the previous owner died intestate.
· Provides that no additional fee can be charged by DHSMV or a tax collector for the reissuance of a certificate of title that is lost in transit and is not delivered.
· Allows permanent motor vehicle registration decals for rental trucks that weigh under 15,000 pounds.
· Authorizes trailers to be issued a license plate with reduced dimensions.
· Provides that a disabled veteran who qualifies for a “DV” license plate may, in lieu of the free “DV” license plate, be issued one of certain military license plates or a specialty license plate and receive a cost savings on the plate of their choosing.
· Adds the following two cases wherein DHSMV is authorized and empowered to design, issue, and regulate the use of temporary tags:
o The existing owner of a vehicle has submitted an application to transfer a valid out-of-state title that is subject to a lien; and
o An active-duty military servicemember who has a valid Florida driver license provides evidence satisfactory to the department that he or she is deployed outside this state.
· Repeals the requirement that requests for purchase of temporary tags to the DHSMV or its agents must be made, where applicable, on letterhead stationery and notarized.
6. HB 661/SB 332 Wrecker Operators
By Rep. Caruso and Sen. Burgess
Both the House and Senate bill received three committees of reference. The Senate bill be heard in its first of three committees on January 23rd.
The bill modifies the price control ordinance for wrecker operator storage facilities by including an electronic car specific fee. It allows wrecker operators to charge fair and reasonable costs, plus 10 percent, for cleanup, containment, and disposal of pollution and hazardous materials.
7. HB 405/SB 754 Regulation of Commercial Motor Vehicles
By Rep. Melo and Sen. DiCeglie
Both the House and Senate bills have received three committees of reference. The House bill passed its second of three committees on January 18th by a vote of 13-0.
The bill seeks to clean up Florida’s commercial motor vehicle statues by incorporating changes made to 49 C.F.R. Specifically, it charges the Department of Highway Safety and Motor Vehicles with the administration and enforcement of certain federal regulations. Prohibits the department from issuing a commercial motor vehicle license to a person who is ineligible under certain federal regulations. Requiring the department to obtain a person's driving record from the Commercial Driver's License Drug and Alcohol Clearinghouse.
8. HB 649/SB 440 – Utility Terrain Vehicles
By Rep. Killebrew and Sen. Wright
Both the House and Senate bills have each received three committees of reference. These bills have not been heard.
The bill seeks to define a utility terrain vehicle (UTV) and authorizes the operation of utility terrain vehicles on certain roadways in which an ATV can operate.
9. HB 1037/SB 690 – Child Safety in Motor Vehicles
By Rep. Bracy Davis and Sen. Thompson
Both House and Senate bills will receive three committees of reference. These bills have not been heard.
The bill seeks to require any vehicle that transports one or more child six years or younger to equip the vehicle with an “unattended occupant alarm system.”
10. HB 179 HB 199 HB 213/SB 202– Towing and Storage
By Rep. Bell and Sen. Perry
Both the House and Senate bills have received three committees of reference.
The bill prohibits FHP from excluding wrecker operators from wrecker operator system based on prior felony conviction. It clarifies what type of fees can be charged by a towing-storage operator. Specified copies of specified documents can be used to constitute proof for transfer of title. Clarifies record retention schedules for towing-storage operators, all documents must be kept for three years. Creates a detailed process for selling an impounded vehicle or vessel.
TORT REFORM
1. HB 1043/SB 1152 – Premises Liability for Third Party Acts
By Rep. Smith and Sen. Collins
Both the House and Senate bills received three committees of reference. The bill is a clean up to last year’s Premises liability language that was in the big tort package. Neither bill has yet been heard.
The bill requires that the trier of fact in actions for damages arising out of intentional torts of third parties consider the fault of all persons, known or unknown.
2. HB 1179/SB 1276– Litigation Financing
By Rep. Overdorf and Sen. Collins
The House bill has received three committee references while the Senate bill has only received two committee references. This is one of the Florida Justice Reform Institutes top priorities. The Senate bill is on the Judiciary agenda for January 22nd.
The bill requires certain disclosures related to litigation financing agreements and the involvement of foreign persons, foreign principals, or sovereign wealth funds. Requires the indemnification of specified fees, costs, and sanctions by a litigation financier in specified circumstances. Provides for enforcement of specified violations under the Florida Deceptive and Unfair Trade Practices Act.
3. HB 651/SB 476 Civil Liability
By Rep. Persons-Mulicka and Sen. Grall
The House bill has received two committees of references and the Senate bill received three committees of reference. The House bill passed its first of two committees by a vote of 12-5. I would expect this bill to move this session.
The bill includes parents of an unborn child as individuals who are able to collect for funeral and medical expenses for wrongful death claims.
WORKERS’ COMPENSATION
1. HB 161/SB 362 Payments for Health Care Providers and Surgical Procedures under Workers’ Compensation
By Rep. Daley and Sen. Bradley
Both the House and Senate bills have been referred to three committees. The Senate bill is on the Health Policy agenda for January 23rd.
The bill increases the maximum amount of certain witness fees related to workers' compensation cases from $200 to $300. The bill also increases the maximum reimbursements for physicians and surgical procedures under workers' compensation to 200% of the reimbursement allowed by Medicare.
BUSINESS
1. HB 473/SB 658 Cybersecurity Incident Liability
By Rep. Giallombardo and Sen. DiCeglie
The House and Senate bills have received three committees of reference. I would expect this bill to move this session.
The bill seeks to limit liability for local government and businesses as long as they make a substantial effort to comply with certain federally recognized cyber security programs. The bill does not establish a private cause of action if a company fails to implement a cyber security program.
2. HB 1459/SB 1680 – Artificial Intelligence Transparency
By Rep. McFarland and Sen. Bradley
SB 1680 was referred to two committees while HB 1459 received three committee references. Neither bill has been heard in committee.
The bills would create the Government Technology Modernization Council within the Department of Management Services; requires entities & persons to create safety & transparency standards for content, images, & videos generated by AI; requires disclosures for certain communications, interactions, images, likenesses, & content; prohibits use of natural person's image or likeness without consent; provides certain political ads are subject to specified requirements; authorizes DLA to bring action for violations under Florida Deceptive & Unfair Trade Practices Act under chapter 501; provides civil penalties; provides certain entities & persons are subject to jurisdiction of state courts.
OTHER
1. HB 1021/SB 1178 – Condominium and Cooperative Associations
By Rep. Lopez and Sen. Bradley
This is the large Condo package for this year. Both House and Senate bills received three committees of reference. The Senate bill will be heard in its first committee on January 22nd.
The bill will make substantial changes to requirements and penalties for community association managers and management firms. Revises provisions related to condominium.
2. HB 173 – Not-for-profit Corporations that Operate Residential Homeowners’ Association
By Rep. Daniels
The House bill has received three committees of reference but has no Senate companion.
The bill requires that not-for-profit corporations that operate residential homeowners’ associations to donate at least 15% of the association’s annual income to benefit the community and must make records available upon request.
3. HB 311/SB 532 Securities and Securities Transactions
By Rep. Barnaby and Sen. Brodeur
Both the House and Senate bills have received three committees of reference. The bill is a wholesale rewrite of Florida securities statutes. The House bill passed its first committee on January 18th by a vote of 17-0.
The bill revises Florida securities statutes and makes the following changes:
· Revises the list of securities that are exempt from registration.
· Revises provisions relating to a certain registration exemption for certain securities transactions.
· Updates the federal laws or regulations with which the offer or sale of securities must be in compliance.
· Requires that offers and sales of securities be in accordance with certain federal laws and rules.
· Provides that registration exemptions under certain provisions are not available to issuers for certain transactions under specified circumstances.
· Specifies criteria for determining integration of offerings for the purpose of registration or qualifying for a registration exemption.
· Specifies the purpose of the Securities Guaranty Fund.
4. HB 515/SB 556 – Protection of Specified Adults
By Rep. Silvers and Sen. Rouson
Both the House and Senate bills have received three committees of reference.
The bill creates new provisions of law that authorizes financial institutions, under certain circumstances, to delay a disbursement or transaction from an account of a specified adult. Specified adult is defined as means a natural person 65 years of age or older, or a vulnerable adult as defined in s. 415.102. The bill sets a process for this to happen and creates record retention schedules for institutes that trigger this new statute.
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