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Florida Statute 627.4091 - Full Text and Legal Analysis
Florida Statute 627.4091 | Lawyer Caselaw & Research
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The 2025 Florida Statutes

Title XXXVII
INSURANCE
Chapter 627
INSURANCE RATES AND CONTRACTS
View Entire Chapter
F.S. 627.4091
627.4091 Specific reasons for denial, cancellation, or nonrenewal.
(1) The denial of an application for an insurance policy must be accompanied by the specific reasons for denial, including the specific underwriting reasons, if applicable.
(2) Each notice of nonrenewal or cancellation must be accompanied by the specific reasons for nonrenewal or cancellation, including the specific underwriting reasons, if applicable.
(3) No cause of action in the nature of defamation, invasion of privacy, or negligence shall arise against any person for disclosing personal or privileged information in accordance with this section, nor shall such a cause of action arise against any person for furnishing personal or privileged information to an insurance institution, agent, or insurance-support organization; however, this section shall provide no immunity for disclosing or furnishing false information through gross negligence or with malice or willful intent to injure any person.
(4) The provisions of any other statute respecting disclosure of personal information control to the extent of any conflict with this section.
(5) When an insurer refuses to provide private passenger automobile insurance or personal lines residential property insurance, including, but not limited to, homeowner’s, mobile home owner’s, condominium unit owner’s, or other insurance covering a personal residential structure, to an applicant due to adverse underwriting information, the insurer shall:
(a) Provide to the applicant specific information regarding the reasons for the refusal to insure.
(b) If the reason for the refusal to insure is based on a loss underwriting history or report from a consumer reporting agency, to the extent applicable identify the loss underwriting history and notify the applicant of his or her right under the federal Fair and Accurate Credit Transactions Act to obtain a copy of the report from the consumer reporting agency.
History.s. 31, ch. 92-318; s. 12, ch. 2004-370; s. 157, ch. 2004-390.

F.S. 627.4091 on Google Scholar

F.S. 627.4091 on CourtListener

Amendments to 627.4091


Annotations, Discussions, Cases:

Cases Citing Statute 627.4091

Total Results: 2

Federal Deposit Insurance Corporation v. Verex Assurance, Inc.

3 F.3d 391, 1993 U.S. App. LEXIS 25043

Court of Appeals for the Eleventh Circuit | Filed: Oct 1, 1993 | Docket: 847513

Cited 49 times | Published

decision, the district court concluded that section 627.4091 of the Florida Statutes (1991) undisputedly

Federal Deposit Insurance v. Verex Assurance, Inc.

3 F.3d 391

Court of Appeals for the Eleventh Circuit | Filed: Oct 1, 1993 | Docket: 64014573

Cited 2 times | Published

decision, the district court concluded that section 627.-4091 of the Florida Statutes (1991) undisput-edly