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February 4, 2023
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The Florida Statutes

The 2022 Florida Statutes (including Special Session A)

Title XXXVII
INSURANCE
Chapter 624
INSURANCE CODE: ADMINISTRATION AND GENERAL PROVISIONS
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F.S. 624.1551
624.1551 Civil remedy actions against property insurers.Notwithstanding any provision of s. 624.155 to the contrary, in any claim for extracontractual damages under s. 624.155(1)(b), no action shall lie until a named or omnibus insured or a named beneficiary has established through an adverse adjudication by a court of law that the property insurer breached the insurance contract and a final judgment or decree has been rendered against the insurer. Acceptance of an offer of judgment under s. 768.79 or the payment of an appraisal award does not constitute an adverse adjudication under this section. The difference between an insurer’s appraiser’s final estimate and the appraisal award may be evidence of bad faith under s. 624.155(1)(b), but is not deemed an adverse adjudication under this section and does not, on its own, give rise to a cause of action.
History.s. 6, ch. 2022-268; s. 2, ch. 2022-271.