Three proposed Florida insurance rule changes would expand claims mediation, revise market-conduct exam triggers and require some quarterly filings even when no individually rated risks were written.
DFS is closest to finalizing the mediation update, which would extend a program long used for homeowner disputes up to $500,000 to auto and commercial residential claims and allow digital files instead of paper.
OIR is also seeking comment on new exam red flags, including sustained complaint levels of 1.5 in three of the last four quarters or 15-plus complaints in at least two quarters, plus high complaint-to-claim ratios after storms.
Insurer advocates said the complaint metrics need refinement because larger carriers naturally generate more claims and complaints; a hearing on the exam-trigger rule is set for July 23 in Tallahassee.
A separate proposal would require some property insurers to file quarterly reports on individually rated or excess-rate risks even in quarters when they wrote none, widening routine reporting obligations.