Florida Regulators Warn Insurance Companies in Fort Lauderdale to Follow the Law

Residents are still trying to process their property insurance claims in Fort Lauderdale, and many are encountering frustrating issues. Some of these problems stem entirely from the misconduct of property insurance companies – and this is something that has caused state regulators to issue a serious warning. If you are experiencing issues with your claim, consider speaking with a property insurance lawyer.

Insurance Companies Could Face Consequences for Legal Violations 

In February of 2025, various sources reported that insurance regulators in Florida had warned insurance companies to comply with the law – or face serious consequences. This warning comes after state authorities received numerous complaints about the misconduct of these insurance companies. Many of these issues stem from claims relating to property damage incurred during last year’s hurricane season.

At first glance, it might seem like Florida is walking back recent changes to insurance laws that clearly favor insurance companies. One report states that these changes “hobbled” the average homeowner’s ability to take legal action against their insurer in the event of a dispute.

While these changes succeeded in reducing lawsuits, homeowners still have concerns. Instead of filing lawsuits, they are simply filing complaints to Florida’s insurance regulators and the Department of Financial Services. This is probably not what the government had in mind when it passed these new laws. Even the Legislature has been hearing complaints about delays and insufficient settlements after last year’s hurricane season.

If insurance companies think that these new laws gave them a free pass to engage in misconduct, they can think again. A stark warning from the Insurance Commissioner sends a clear message that insurers can still be held accountable:

“The Office recently learned of potentially concerning behavior relating to anti-concurrent causation policy language (which excludes damage costs that may have happened during a hurricane but not directly because of wind) and the explicit avoidance of applying coverage for policyholders. Commissioner Yaworsky expects insurers, before denying a total loss claim, to be mindful and make sure the company is following the law.”

It seems that insurance regulators are trying to perform something of a balancing act. They may realize that they went too far in taking away policyholders’ rights – and now they have to rectify the situation by taking several steps in the opposite direction. While this warning sends a positive message for policyholders’ rights, it remains to be seen whether the government will take any real action beyond words.

 Contact Our Fort Lauderdale Property Insurance Lawyers Today

At Geyer Fuxa Tyler, our legal team is made up of a diverse combination of attorneys who are well-positioned to protect the legal rights and financial interests of policyholders. If your property insurance claim was denied, we can help. For a free consultation, please call us today at (954) 990-5251. With an office in Sunrise, we represent policyholders in Broward County and throughout the state of Florida.

Source:

 palmbeachpost.com/story/news/state/2025/02/21/insurer-disputes-with-consumers-has-regulator-issuing-warning/79311406007/