Florida Statute 627.415 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.415 Charter, bylaw provisions.—No policy shall contain any provision purporting to make any portion of the charter, bylaws, or other constituent document of the insurer (other than the subscribers’ agreement or power of attorney of a reciprocal insurer) a part of the contract unless such portion is set forth in full in the policy. Any policy provision in violation of this section is invalid.

History.—s. 464, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318.

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Amendments to 627.415

Annotations, Discussions, Cases:

Cases Citing Statute 627.415

Total Results: 7

QBE Insurance Corp. v. Chalfonte Condominium Apartment Ass'n

94 So. 3d 541, 37 Fla. L. Weekly Supp. 395, 2012 WL 1947863, 2012 Fla. LEXIS 1063

Supreme Court of Florida | Filed: May 31, 2012 | Docket: 60310909

Cited 80 times | Published

insurance provider contracts] is void.”); id. § 627.415 (“Any policy provision in violation of this section

James R. Allen v. United Services Automobile Association

790 F.3d 1274, 2015 U.S. App. LEXIS 10742, 2015 WL 3894722

Court of Appeals for the Eleventh Circuit | Filed: Jun 25, 2015 | Docket: 2668520

Cited 15 times | Published

(Fla.2007). 6 . Florida Statutes § 627.415 is inapplicable here. That section prohibits insurers

Chalfonte Condominium Apartment Ass'n v. QBE Insurance

526 F. Supp. 2d 1251, 2007 U.S. Dist. LEXIS 91826, 2007 WL 4531971

District Court, S.D. Florida | Filed: Nov 19, 2007 | Docket: 808586

Cited 8 times | Published

insurance provider contracts] is void."); Section 627.415 (stating that "[a]ny policy provision in violation

Chalfonte Condominium Apartment Association, Inc. v. QBE Insurance Corporation

695 F.3d 1215, 2012 WL 4120351, 2012 U.S. App. LEXIS 19814

Court of Appeals for the Eleventh Circuit | Filed: Sep 20, 2012 | Docket: 1418071

Cited 4 times | Published

provider contracts] is void.”); id. § 627.415 (“Any policy provision in violation of this section

Calio v. Equitable Life Assurance Society of US

169 So. 2d 502

District Court of Appeal of Florida | Filed: Dec 8, 1964 | Docket: 1238729

Cited 4 times | Published

then in force in regard thereto.[1] Accordingly, § 627.0415, Fla. Stat., F.S.A., became a part of the contract

Vision I Homeowners Ass'n v. Aspen Specialty Insurance

643 F. Supp. 2d 1356, 2009 WL 2482162, 2009 U.S. Dist. LEXIS 75319

District Court, S.D. Florida | Filed: Jun 15, 2009 | Docket: 2474995

Cited 2 times | Published

insurance provider contracts] is void."); Section 627.415 (stating that "[a]ny policy provision in violation

Sciaretta v. Lincoln National Life Insurance

899 F. Supp. 2d 1318, 2012 WL 5195944

District Court, S.D. Florida | Filed: Feb 15, 2012 | Docket: 65985723

Published

thereby rendered invalid, except as provided in section 627.415, but shall be construed and applied in accordance

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 627 in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.