Florida lawmakers are examining the use of artificial intelligence (AI) in the insurance industry, focusing on its current and potential applications across various lines of insurance. During committee meetings this month, legislators questioned a panel of industry experts about how insurers are deploying AI and sought assurances that safeguards exist to prevent misuse. Following these discussions, a new bill has been filed addressing these concerns.
Governor Ron DeSantis has stated he does not expect the Florida Legislature to attempt reversing recent consumer insurance and litigation reforms during its upcoming January session. He commented, “They didn’t have a mandate to try to undo the reforms that they were trying to undo.”
As some Floridians face challenges renewing their federal flood coverage due to ongoing government shutdowns, private flood insurance providers have indicated their readiness to assume more risk and offer policies that may be less expensive than federal options.
The Affordable Care Act (ACA) remains a significant topic for many residents as enhanced premium tax credits for federal marketplace plans are set to expire at the end of the year unless Congress acts to renew them. The Florida Office of Insurance Regulation addressed related questions at a recent House Health Care Facilities & Systems Subcommittee meeting.
On October 7, 2025, the Florida House Subcommittee on Insurance & Banking convened to further explore how insurers are using AI in their operations. A panel representing CFO Ingoglia’s office, NAMIC, APCIA, FIC, and Insurtech informed lawmakers that AI is used sparingly by insurers and mainly for efficiency purposes.
In legal developments, Katelyn Ferry reported that Florida’s First District Court of Appeal upheld a decision in Bailetti v. Universal regarding property insurance policy payouts based on Actual Cash Value estimates when not challenged by the insured.
Additionally, defense attorney Kimberly Salmon succeeded with three consecutive motions for summary judgment involving cast iron pipe cases. In Pantina v. Florida Peninsula Insurance Company before Judge Amy Williams in Pinellas County, Florida Peninsula successfully contested coverage claims brought by David Barnhill.
Florida continues to attract attention for its unique culture and history. As previously reported in July 2025, treasure hunters have applied for permits from the U.S Army Corps of Engineers hoping to find historic artifacts along the Treasure Coast.
