Florida Statutes

Fla. Stat. § 631.51 (2025)

Purposes.

✓ 2025 Florida Statutes — current through the 2025 Regular Session

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631.51 Purposes.—The purposes of this part are to:

(1) Provide a mechanism for the payment of covered claims under certain insurance policies to avoid excessive delay in payment and to avoid financial loss to claimants or policyholders because of the insolvency of an insurer;

(2) Assist in the detection and prevention of insurer insolvencies;

(3) Create a nonprofit corporation to administer and supervise the operation of such association; and

(4) Assess the cost of such protection among insurers.

History.—s. 2, ch. 70-20; s. 809(1st), ch. 82-243; ss. 187, 188, ch. 91-108; s. 4, ch. 91-429.

Notes of Decisions

Cited in 39 cases (1 in the last 5 years), 1978–2026 · leading case: Jones v. Florida Ins. Guar. Ass'n, Inc., 908 So. 2d 435 (Fla. 2005).

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Jones v. Florida Ins. Guar. Ass'n, Inc., 908 So. 2d 435 (Fla. 2005). · cites it 3× “" § 631.51(1), Fla. Stat. (1995). The Act specifically provides and instructs that it shall be "liberally construed" to effect the purposes of the statute.”

Florida Ins. Guar. Ass'n v. Devon Neighborhood Ass'n, 67 So. 3d 187 (Fla. 2011). · cites it 2× “FIGA is a public, nonprofit corporation created by statute to provide a mechanism for payment of covered claims under certain classes of insurance policies issued by insurers which have become insolvent.”

Florida Ins. Guar. Ass'n, Inc. v. Mendoza & Llanes, 193 So. 3d 940 (Fla. 3d DCA 2016). · cites it 4× “53, we have an express mandate to construe liberally the statutory scheme governing claims against FIGA so as to promote the purposes articulated in section 631.51. Section 631.51(1) provides: “The purposes .”

Leandro de la Fuente v. Florida Ins. Guar. Ass'n, 202 So. 3d 396 (Fla. 2016). · cites it 4× “§ 631.51, Fla. Stat. (2011); see 631.57, Fla.”

Florida Ins. Guar. Ass'n, Inc. v. Soto, 979 So. 2d 964 (Fla. 3d DCA 2008). · cites it 5× “See § 631.51, Fla. Stat. (2001). In short, "[t]he act is designed to protect Florida citizens, not the insurance industry.”

Florida Ins. Guar. Ass'n v. Bernard, 140 So. 3d 1023 (Fla. 1st DCA 2014). · cites it 2× “” § 631.51(1), Fla. Stat. Thus, “when an insurer becomes insolvent, FIGA becomes obligated to respond to covered claims that arise prior to adjudication of the insurer’s insolvency and within a specified time after insolvency.”

Florida Ins. Guar. Ass'n v. Branco, 148 So. 3d 488 (Fla. 5th DCA 2014). “2011); see §§ 631.51, 631.55, Fla. Stat. (2011). . See § 631.”

Fernandez v. Florida Ins. Guar. Ass'n, 383 So. 2d 974 (Fla. 3d DCA 1980). · cites it 2× “" § 631.51, Fla. Stat. (1979). In establishing the institution, however, the legislature was careful to restrict its potential liability not only concerning its vicarious responsibility for the acts of the companies it succeeds, § 631.”

McKenzie Tank Lines, Inc. v. Empire Gas Corp., 538 So. 2d 482 (Fla. 1st DCA 1989). · cites it 3× “53, the FIGA statute is to be "liberally construed" to effect the purposes set forth in section 631.51. The enumerated purposes found in that section include the avoidance of excessive delays in payment, avoidance of financial loss to claimants or policy holders because of…”

Florida Ins. Guar. Ass'n v. Olympus Ass'n, 34 So. 3d 791 (Fla. 4th DCA 2010). · cites it 2× “” § 631.51(1), Fla. Stat. (2008) (emphasis added).”

Florida Ins. Guar. v. Rodriguez, 153 So. 3d 301 (Fla. 5th DCA 2014). “2011); see §§ 631.51, 631.55, Fla. Stat. (2011). . Because this issue is dispositive, we do not address FIGA’s remaining arguments.”

Morrison v. Homewise Preferred Ins. Co., 209 So. 3d 682 (Fla. 5th DCA 2017). · cites it 2× “§ 631.51(1), Fla. Stat. (2011). The FIGA Act is administered by the Florida Insurance Guaranty Association, Inc.”

Show all 39 citing cases →

— 631.51(1) — 22 cases

Jones v. Florida Ins. Guar. Ass'n, Inc., 908 So. 2d 435 (Fla. 2005). “" § 631.51(1), Fla. Stat. (1995). The Act specifically provides and instructs that it shall be "liberally construed" to effect the purposes of the statute.”

Florida Ins. Guar. Ass'n, Inc. v. Mendoza & Llanes, 193 So. 3d 940 (Fla. 3d DCA 2016). “53, we have an express mandate to construe liberally the statutory scheme governing claims against FIGA so as to promote the purposes articulated in section 631.51. Section 631.51(1) provides: “The purposes .”

Florida Ins. Guar. Ass'n v. Bernard, 140 So. 3d 1023 (Fla. 1st DCA 2014). “” § 631.51(1), Fla. Stat. Thus, “when an insurer becomes insolvent, FIGA becomes obligated to respond to covered claims that arise prior to adjudication of the insurer’s insolvency and within a specified time after insolvency.”

Florida Ins. Guar. Ass'n, Inc. v. Soto, 979 So. 2d 964 (Fla. 3d DCA 2008). “See § 631.51, Fla. Stat. (2001). In short, "[t]he act is designed to protect Florida citizens, not the insurance industry.”

Florida Ins. Guar. Ass'n v. Olympus Ass'n, 34 So. 3d 791 (Fla. 4th DCA 2010). “” § 631.51(1), Fla. Stat. (2008) (emphasis added).”

— 631.51(4) — 1 case

McKenzie Tank Lines, Inc. v. Empire Gas Corp., 538 So. 2d 482 (Fla. 1st DCA 1989). “53, the FIGA statute is to be "liberally construed" to effect the purposes set forth in section 631.51. The enumerated purposes found in that section include the avoidance of excessive delays in payment, avoidance of financial loss to claimants or policy holders because of…”

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