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Florida Statute 627.629 - Full Text and Legal Analysis Florida Statute 627.629 | Lawyer Caselaw & Research
Fla. Stat. § 627.629 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
627.629 Intoxicants and narcotics.—The contract may include the following provision:

“Intoxicants and Narcotics: The insurer will not be liable for any loss resulting from the insured being drunk or under the influence of any narcotic unless taken on the advice of a physician.”

History.—s. 572, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 479, 497, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318.

Cases Citing F.S. 627.629

Fla. Stat. § 627.629 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
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·Serchay v. State Farm Florida Ins. Co., 25 So. 3d 652 (Fla. 4th DCA 2010).

Cited 3 times | Published | Florida 4th District Court of Appeal | 2010 Fla. App. LEXIS 27, 2010 WL 22700

0629 and 627.711, Florida Statutes (2007). Section 627.0629 provides, in pertinent part: (1)(a) It is
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Cited as authority(citing case) (2023)
phrase: "rule_authority"
Cited as authority(citing case) (2015)
phrase: "rule_authority"
Cited as authority(citing case) (2010)
phrase: "rule_authority"
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·Zimmerman v. Florida Windstorm Underwriting Ass'n, 873 So. 2d 411 (Fla. 1st DCA 2004).

Cited 1 times | Published | Florida 1st District Court of Appeal | 2004 WL 832790

proposed increase, as allegedly required by section 627.0629(7), Florida Statutes, and Rule 4-166.051,
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Cited as authorityZimmerman (2006)
phrase: "rule_authority"
Cited as authorityZimmerman (2006)
phrase: "rule_authority"
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Blue Cross & Blue Shield of Fla. v. Steck, 778 So. 2d 374 (Fla. 2d DCA 2001).

Cited 2 times | Published | Florida 2nd District Court of Appeal | 2001 Fla. App. LEXIS 269, 2001 WL 37683

...ALTENBERND, Judge, Concurring. I fully concur in this opinion, but do not wish to leave insurance companies with the impression that a different outcome would be guaranteed if the exclusion contained the phrase "direct or indirect, wholly or partially." Section 627.629, Florida Statutes (2000), permits an insurance company to include the following exclusion in a health insurance contract: Intoxicants and Narcotics: The insurer will not be liable for any loss resulting from the insured being drunk or under the influence of any narcotic unless taken on the advice of a physician....
...r should be permissible in other types of health, life, and accident insurance. It is completely lawful for people to consume alcoholic beverages in the privacy of their home or at a social gathering. I am not convinced that the legislature intended section 627.629 to allow insurance companies to deny health insurance benefits to an insured merely because the insured had a blood alcohol level in excess of .08 at the time of an accident unrelated to an automobile....
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Zimmerman v. State, Off. of Ins. Reg., 944 So. 2d 1163 (Fla. 4th DCA 2006).

Cited 2 times | Published | Florida 4th District Court of Appeal

held on the proposed increase pursuant to section 627.0629(7), Florida Statutes, and Rule 4-166.051,
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·Off. of Ins. Reg. & Fin. Servs. Comm'n v. Secure Enter., LLC, 124 So. 3d 332 (Fla. 1st DCA 2013).

Published | Florida 1st District Court of Appeal | 2013 WL 5584266, 2013 Fla. App. LEXIS 16231

legislative authority by modifying and contravening section 627.0629(1), Flor*334ida Statutes. Because we agree
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Cited as authorityK.M. (2017)
phrase: "rule_authority"
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Patricia Asseff & Abraham Asseff v. Citizens Prop. Ins., etc., 159 So. 3d 327 (Fla. 1st DCA 2015).

Published | Florida 1st District Court of Appeal | 2015 WL 1018536

their properties to prevent windstorm losses.” § 627.0629(1), Fla. Stat. (2012). Rate filings for residential
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Zimmerman v. State, Off. of Ins. Reg., 944 So. 2d 1163 (Fla. 4th DCA 2006).

Published | Florida 4th District Court of Appeal | 2006 Fla. App. LEXIS 20785

held on the proposed increase pursuant to section 627.0629(7), Florida Statutes, and Rule 4-166.051,

This Florida statute resource is curated by the lawyer who curates this resource, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). Attorney Syfert regularly handles Chapter 627 matters in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.