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HB0343 • 2026

Insurance Solutions Advisory Council

Insurance Solutions Advisory Council

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Spencer ; (CO-INTRODUCERS) Campbell
Last action
2026-03-13
Official status
House - Died in Insurance & Banking Subcommittee
Effective date
2026-07-01

Plain English Breakdown

While the official text shows the bill passed both chambers, metadata indicates it 'Died' in a subcommittee on March 13, 2026. This creates uncertainty about whether the law is currently active or if further action was taken after that date.

Insurance Solutions Advisory Council

This bill creates a new advisory group inside the Office of Insurance Regulation to study data on Florida's property and car insurance markets.

What This Bill Does

  • Creates an advisory council within the Office of Insurance Regulation to analyze market data.
  • Sets rules for who can serve as members, including representatives from insurers, attorneys, agents, public adjusters, consumers, and Citizens Property Insurance Corporation.
  • Requires the Office of Insurance Regulation to provide staff help and administrative support to the group.
  • Mandates that the council submit an annual report with findings and recommendations starting in October 2026.
  • Sets a deadline for member appointments by August 1, 2026.

Who It Names or Affects

  • The Office of Insurance Regulation
  • Insurance companies and agents operating in Florida
  • Consumer advocates and public adjusters serving on the council
  • Citizens Property Insurance Corporation

Terms To Know

Advisory Council
A group of people formed to study a topic and give advice, but not make laws or rules.
Per Diem
Money paid daily to cover food and other costs while traveling for work.
Surplus Lines Insurer
An insurance company that sells policies not available through standard markets, often for unique risks.

Limits and Unknowns

  • The council must end on October 2, 2029, unless the Legislature votes to keep it.
  • Members do not receive a salary but can get paid back for travel costs.
  • The bill does not specify exactly what recommendations the council will make in its reports.

Bill History

  1. 2026-03-13 House

    • Died in Insurance & Banking Subcommittee

  2. 2026-01-13 House

    • 1st Reading (Original Filed Version)

  3. 2025-11-12 House

    • Referred to Insurance & Banking Subcommittee • Referred to State Administration Budget Subcommittee • Referred to Commerce Committee • Now in Insurance & Banking Subcommittee

  4. 2025-11-05 House

    • Filed

Official Summary Text

Insurance Solutions Advisory Council; Creates advisory council within OIR to analyze & compile available data & evaluate relevant & applicable information relating to Florida's property & automobile insurance market; provides for membership of advisory council; provides for per diem & travel expenses; provides for meetings of council; requires office to provide advisory council with staffing & administrative assistance; requires advisory council to submit specified report annually; provides for future legislative review & expiration of advisory council.

Current Bill Text

Read the full stored bill text 
HB 343 2026

CODING: Words stricken are deletions; words underlined are additions.
hb343-00
Page 1 of 4
F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

A bill to be entitled 1
An act relating to the Insurance Solutions Advisory 2
Council; creating the advisory council within the 3
Office of Insurance Regulation for specified purposes 4
relating to data and information on the property and 5
automobile insurance market; providing for membership 6
of the advisory council; providing for per diem and 7
travel expenses; providing for meetings of the 8
advisory council; requiring the office to provide the 9
advisory council with staffing and administrative 10
assistance; requiring the advisory council to submit a 11
specified report annually; providing for future 12
legislative review and expiration of the advisory 13
council; providing an effective date. 14
15
Be It Enacted by the Legislature of the State of Florida: 16
17
Section 1. Insurance Solutions Advisory Council.— 18
(1) The Insurance Solutions Advisory Council, an advisory 19
council as defined in s. 20.03(7), Florida Statutes, is created 20
within the Office of Insurance Regulation to analyze and compile 21
available data and evaluate relevant and applicable information 22
relating to Florida's property and automobile insurance market. 23
The advisory council shall serve in an advisory capacity to the 24
office and the Legislature and, except as otherwise provided in 25

HB 343 2026

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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

this section, shall comply with the requirements of s. 20.052, 26
Florida Statutes. 27
(2) The advisory council shall be composed of the 28
following members: 29
(a) Three members appointed by the Speaker of the House of 30
Representatives: 31
1. One member representing a residential property and 32
casualty insurer that has issued at least 150,000 homeowner's 33
insurance policies in this state at the time of the creation of 34
the advisory council. 35
2. One member representing a surplus lines insurer. 36
3. One member who is a trial attorney. 37
(b) Three members appointed by the President of the 38
Senate: 39
1. One member representing a commercial nonresidential 40
property and casualty insurer. 41
2. One member representing a residential property and 42
casualty insurer that has issued fewer than 150,000 homeowner's 43
insurance policies in this state at the time of the creation of 44
the advisory council. 45
3. One member who is a public adjuster. 46
(c) Three members appointed by the Governor who are not 47
employed by or professionally affiliated with an insurance 48
company or a subsidiary of an insurance company, at least one of 49
whom must be a consumer advocate or a member of a consumer 50

HB 343 2026

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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

advocacy organization or agency and one of whom must be 51
recommended by the Florida Insurance Council. The Governor shall 52
appoint from among the three members the advisory council's 53
chair. 54
(d) Two members appointed by the Chief Financial Officer, 55
representing insurance agents in this state. 56
(e) One member representing Citizens Property Insurance 57
Corporation, selected by the chair of the board of governors of 58
the Citizens Property Insurance Corporation. 59
(f) The Commissioner of Insurance Regulation or his or her 60
designee. 61
(3) Members must be appointed no later than August 1, 62
2026. Members serve at the pleasure of the officer who appointed 63
them, and a vacancy on the advisory council must be filled in 64
the same manner as the original appointment. Members of the 65
advisory council shall serve without compensation but are 66
entitled to reimbursement for per diem and travel expenses 67
pursuant to s. 112.061, Florida Statutes. 68
(4) The advisory council shall meet at the call of the 69
chair at a time and location in this state designated by the 70
chair. 71
(5) The Office of Insurance Regulation shall provide 72
staffing and administrative assistance to the advisory council 73
in performing its duties. 74
(6) Beginning October 1, 2026, the advisory council shall 75

HB 343 2026

CODING: Words stricken are deletions; words underlined are additions.
hb343-00
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

submit an annual report regarding its analysis as specified in 76
subsection (1) and any recommendations related to property and 77
automobile insurance in this state. 78
(7) In accordance with s. 20.052(8), Florida Statutes, 79
this section is repealed October 2, 2029, unless reviewed and 80
saved from repeal through reenactment by the Legislature. 81
Section 2. This act shall take effect July 1, 2026. 82