Florida Statute 627.70154 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.70154 Mandatory binding arbitration.—A property insurance policy issued in this state may not require that a policyholder participate in mandatory binding arbitration unless all of the following apply:

(1) The mandatory binding arbitration requirements are contained in a separate endorsement attached to the property insurance policy.

(2) The premium that a policyholder is charged for the policy includes an actuarially sound credit or premium discount for the mandatory binding arbitration endorsement.

(3) The policyholder signs a form electing to accept mandatory binding arbitration. The form must notify the policyholder of the rights given up in exchange for the credit or premium discount, including, but not limited to, the right to a trial by jury.

(4) The endorsement establishes that an insurer will comply with the mediation provisions set forth in s. 627.7015 before the initiation of arbitration.

(5) The insurer also offers the policyholder a policy that does not require that the policyholder participate in mandatory binding arbitration.

History.—s. 18, ch. 2022-271.

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Amendments to 627.70154

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Cases Citing Statute 627.70154

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Huy Hien Tang, et al. v. Citizens Prop. Ins. Corp. (Fla. 3d DCA 2026).

Cited 1 times | Florida 3rd District Court of Appeal

...Arbitration agreements are “contractual in nature” and their construction is governed by principles of contract interpretation. Seifert v. U.S. Home Corp., 750 So. 2d 633, 636 (Fla. 1999). The homeowners argue that sections 627.70152(4) and 627.70154(2), Florida Statutes, which outline the procedure for a suit against an insurer arising under a property insurance policy, render the arbitration clause in the contract unenforceable....

...neous notices on September 19, 2024, one continuing to deny coverage, and the other informing the homeowners of its intent to seek arbitration. And as correctly explained by the trial court, section 627.351(6)(ll)1., Florida Statutes, supersedes section 627.70154....

...explicitly authorizes Citizens to “adopt policy forms that provide for the resolution of disputes regarding its claim determinations, including disputes regarding coverage for, or the scope and value of, a claim, in a proceeding before the Division of Administrative Hearings. Any such policies are not subject to s. 627.70154.” So there is no dispute that Citizens had the ability to require a proceeding before DOAH for a dispute regarding coverage, and that it exercised such right properly under the statutes, the terms of the policy, and upon proper not...

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.