A comprehensive legal guide published in March 2026 outlines the rights and obligations of homeowners and contractors in Florida water damage restoration projects, including key changes to state law affecting insurance claims and contractor practices.
Florida has been the subject of significant insurance reform legislation in recent years, with changes affecting the assignment of benefits, the ability of contractors to file claims on behalf of homeowners, and the timeline for insurance carrier response to claims.
The guide, published by the Louis Law Group, notes that Florida's insurance reforms have limited the ability of contractors and restoration companies to accept an assignment of insurance benefits from homeowners and file claims on their behalf — a practice that was common in the industry but was associated with litigation abuse.
For water damage restoration contractors operating in Florida, understanding the current legal framework is essential for protecting their business interests and ensuring compliance with state law.
The guide also addresses the rights of homeowners in dealing with insurance carriers, including the timeline for carrier response to claims and the remedies available when carriers fail to meet their obligations.
