Florida Statute 627.418 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.418 Validity of noncomplying contracts.—

(1) Any insurance policy, rider, or endorsement otherwise valid which contains any condition or provision not in compliance with the requirements of this code shall not be thereby rendered invalid, except as provided in s. 627.415, but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider, or endorsement been in full compliance with this code. In the event an insurer issues or delivers any policy for an amount which exceeds any limitations otherwise provided in this code, such insurer shall be liable to the insured or his or her beneficiary for the full amount stated in the policy in addition to any other penalties that may be imposed under this code.

(2) Any insurance contract delivered or issued for delivery in this state covering a subject or subjects of insurance resident, located, or to be performed in this state, which subjects, pursuant to the provisions of this code, the insurer may not lawfully insure under such a contract, shall be cancelable at any time by the insurer, any provision of the contract to the contrary notwithstanding; and the insurer shall promptly cancel the contract in accordance with the request of the office therefor. No such illegality or cancellation shall be deemed to relieve the insurer of any liability incurred by it under the contract while in force, or to prohibit the insurer from retaining the pro rata earned premium thereon. This provision does not relieve the insurer from any penalty otherwise incurred by the insurer under this code on account of any such violation.

History.—s. 467, ch. 59-205; ss. 13, 35, ch. 69-106; s. 1, ch. 72-23; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 370, 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318; s. 329, ch. 97-102; s. 1120, ch. 2003-261.

Note.—Former s. 627.0117.

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Amendments to 627.418

Annotations, Discussions, Cases:

Cases Citing Statute 627.418

Total Results: 20

Allstate Ins. Co. v. Kaklamanos

843 So. 2d 885, 2003 WL 1740882

Supreme Court of Florida | Filed: Apr 3, 2003 | Docket: 271161

Cited 254 times | Published

applied to be in full compliance with the code. See § 627.418(1), Fla. Stat. (2001) ("Any insurance policy,

Excelsior Ins. Co. v. Pomona Park Bar & Package Store

369 So. 2d 938, 1979 Fla. LEXIS 4604

Supreme Court of Florida | Filed: Mar 8, 1979 | Docket: 2516540

Cited 132 times | Published

Section 627.411, Florida Statutes (1977), then Section 627.418, Florida Statutes (1977), requires the courts

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

certificate of authority). Most notably, in section 627.418(1), Florida Statutes (2009), the Legislature

Florida Farm Bureau Cas. Ins. Co. v. Cox

943 So. 2d 823, 2006 WL 3024902

District Court of Appeal of Florida | Filed: Dec 15, 2006 | Docket: 2514380

Cited 19 times | Published

full compliance with this code. Id. (quoting § 627.418(1), Fla. Stat. (2001)). See also Young v. Progressive

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

greater than 25%. Additionally, Florida Statutes § 627.418(1) bars the Al-lens’ suit because the only remedy

Citizens Property Insurance Corp. v. River Manor Condominium Ass'n

125 So. 3d 846, 2013 WL 1441294, 2013 Fla. App. LEXIS 5729, 38 Fla. L. Weekly Fed. D 820

District Court of Appeal of Florida | Filed: Apr 10, 2013 | Docket: 60236093

Cited 10 times | Published

and DAMOORGIAN, JJ„ concur. . We note that section 627.418(1), Florida Statutes (2005), codifies the principle

Kaklamanos v. Allstate Ins. Co.

796 So. 2d 555, 2001 WL 838198

District Court of Appeal of Florida | Filed: Jul 26, 2001 | Docket: 1249925

Cited 10 times | Published

policy... been in full compliance with this code." § 627.418(1), Fla. Stat. (1997). See State Farm Mut. Auto

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

requirements] of this chapter." Most notably, in Section 627.418(1), the legislature seems to suggest that in

STATE FARM MUTUAL AUTOMOBILE INS. CO. v. Swearingen

590 So. 2d 506, 1991 Fla. App. LEXIS 12076, 1991 WL 253838

District Court of Appeal of Florida | Filed: Dec 4, 1991 | Docket: 1512609

Cited 5 times | Published

rewrite insurance policies to find coverage. Section 627.418(1), Florida Statutes (1989), specifically states

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

certificate of authority). Most notably, in section 627.418(1), Florida Statutes (2009), the Legislature

El-Ad Enclave at Miramar Condominium Ass'n v. Mt. Hawley Insurance

752 F. Supp. 2d 1282, 2010 WL 4722288

District Court, S.D. Florida | Filed: Nov 22, 2010 | Docket: 2339937

Cited 2 times | Published

violation of this section is invalid"). Moreover, § 627.418(1) states that "[a]ny insurance policy, rider

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

filing is properly submitted."" Id. Moreover, "Section 627.418(1) states that: [a]ny insurance policy, rider

Essex Insurance v. Zota

607 F. Supp. 2d 1340, 2009 U.S. Dist. LEXIS 29108, 2009 WL 959917

District Court, S.D. Florida | Filed: Apr 8, 2009 | Docket: 2281562

Cited 1 times | Published

identified by Plaintiff is that pursuant to Fla. Stat. § 627.418, noncompliance with Fla. Stat. § 627.410 should

Suazo Ex Rel. Suazo v. Del Busto

587 So. 2d 480, 1991 WL 152939

District Court of Appeal of Florida | Filed: Nov 5, 1991 | Docket: 1405773

Cited 1 times | Published

and applied as if it were in full compliance. § 627.418, Fla. Stat. (1989). According to the Suazos, the

SAFECO INSURANCE COMPANY OF ILLINOIS v. MD NOW MEDICAL CENTERS, INC. d/b/a MD NOW PATIENT: SHELLEY HOLMSTOCK

District Court of Appeal of Florida | Filed: Aug 2, 2023 | Docket: 67657805

Published

requirements of” Florida’s insurance statutes. § 627.418(1), Fla. Stat. (2020). A contract not in compliance

Bastian v. United Services Automobile Ass'n

150 F. Supp. 3d 1284, 2015 WL 8479265, 2015 U.S. Dist. LEXIS 165585

District Court, M.D. Florida | Filed: Dec 10, 2015 | Docket: 64305874

Published

2d 1386, 1390-91 (Fla.1998); also Fla. Stat. § 627.418(1); Allen v. USAA Ca. Ins. Co., 790 F.3d 1274

Bastian v. United Services Automobile Ass'n

137 F. Supp. 3d 1272, 2015 U.S. Dist. LEXIS 131321, 2015 WL 5853206

District Court, M.D. Florida | Filed: Sep 29, 2015 | Docket: 64304709

Published

2d 1386, 1390-91 (Fla.1998); also Fla. Stat. § 627.418(1); Allen v. USAA Ca. Ins. Co., 790 F.3d 1274

Lemy v. Direct General Finance Co.

885 F. Supp. 2d 1265, 2012 WL 2339702, 2012 U.S. Dist. LEXIS 84507

District Court, M.D. Florida | Filed: Jun 19, 2012 | Docket: 65984240

Published

unreported policy typically remains valid under Section 627.418. See Essex Ins. Co. v. Zota (Zota II), 607

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

from its effective date. (Exh. 5). Fla. Stat. § 627.418 (2011) provides: Any insurance policy, rider,

Fred S. James & Co. of Florida v. Miranti

520 So. 2d 630, 13 Fla. L. Weekly 395, 1988 Fla. App. LEXIS 514, 1988 WL 8099

District Court of Appeal of Florida | Filed: Feb 10, 1988 | Docket: 64632880

Published

acknowledge but reject appellee’s contention that section 627.418, Florida Statutes (1985), mandates lowering

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.