Can my Florida insurer drop me after a hurricane claim?

Florida rule · Claims caused by acts of God

Florida's published rule says claims caused by an act of God may not be used as a reason for cancellation or non-renewal, unless the insured did not take reasonable action the insurer requested to prevent the damage from happening again.

Fla. Stat. § 627.4133

Florida rule · A single water-damage claim

Florida's published rule says a single water-damage claim may not be the only reason for cancellation or non-renewal, unless the insured did not take action the insurer reasonably requested to prevent a similar loss.

Fla. Stat. § 627.4133

Florida rule · Protection while damaged property is repaired

Florida's published rule limits cancellation and non-renewal of a home damaged by a covered peril: for hurricane or wind damage covered by an emergency declaration, until 90 days after repairs; for other covered damage, until repairs are done or one year after the final claim payment, whichever comes first. Listed exceptions apply.

Fla. Stat. § 627.4133

Florida rule · Effective date during a hurricane

Florida's published rule says that if a cancellation or non-renewal would take effect while a hurricane is affecting the area, the effective date is extended until the end of that hurricane.

Fla. Stat. § 627.4133