Vol. 16, No. 2 - July 2026
Welcome
The 2026 Atlantic Hurricane Season is here and the Department's PrepareFL.com website serves as a one-stop-shop for preparedness and recovery resources. While storms are a regular part of Florida life, proactive planning can significantly reduce their impact and help you recover faster.
Key steps such as assembling an emergency kit, creating an evacuation plan, and safeguarding your home and business can make all the difference. By staying informed and taking timely precautions, Floridians can approach hurricane season with confidence and resilience, ensuring a smoother path back to normal after a storm.
The Department’s Insurance Consumer Helpline at 1-877-MY-FL-CFO (693-5236) is also available Monday through Friday, from 8 a.m. to 5 p.m. Eastern Time. Call today to speak with a knowledgeable insurance specialist—free of charge.
Hurricane Preparedness Tips:
- Secure Flood Insurance: Standard homeowner’s policies do not cover flood damage. If you live in a flood-prone area, contact your insurance agent to explore flood coverage options. Florida has over 30 private insurers offering flood insurance, and you may also qualify for the federally-backed National Flood Insurance Program (NFIP).
- Review and Update Your Coverage: Your home and possessions may have gained value or improvements over the years. Review your insurance policy to ensure your coverage limits remain adequate for current replacement costs.
- Add Extra Living Expense Coverage: Many homeowners’ policies include additional living expenses that help cover costs if your home becomes uninhabitable, such as motel stays, dining, and storage, during repairs. Confirm these protections are in place.
- Act Before a Storm Approaches: Insurance providers typically do not accept new applications or changes once a hurricane is near. Since most flood policies take about 30 days to become effective, securing or updating coverage now is crucial before storm threats arise.
For more hurricane preparedness tips and resources, visit PrepareFL.com.
In The Know
General Lines Agents - Review Your Customers' Policy Benefits Many agents review their customers' coverage at renewal; it's good practice to talk with your customers to make sure they have the coverage they need and uncover any gaps in coverage. Consumer needs can change quickly and a once-a-year review of homeowners insurance is often related to the premium...Read more
Education Center
Late Continuing Education (CE) Compliance and What it Means to You All licensees are required to comply with Continuing Education (CE) every two years during their birth month. What happens if you fail to complete the required CE hours on or before the deadline?..Read more
Enforcement Actions
The enforcement actions included in this list reflect enforcement actions taken from February through April 2026...Read more
Compliance Corner
Loss of Appointment due to Continuing Education Non-Compliance or Loss of Surety Bond The Bureau of Investigation receives complaints from insurers and others that licensees were not appointed at the time insurance was transacted or while participating in adjusting activities. Failure to hold at least one valid appointment renders a license invalid (s. 626.112(1)(a), F.S.)...Read more
Case Notes
Case: The Bureau of Investigation opened an investigative case on a public adjuster based on a referral from an insurance company. The insurer alleged that the public adjuster pocketed several claim proceeds checks belonging to multiple insureds...Read more
