FLORIDA AUTO INSURANCE GUIDE

Florida Coverage Disclosure & Insurer Duties

Florida Statutes § 627.4137 requires liability insurers that do or may provide coverage for a claim to provide specified insurance information within 30 days after a claimant’s written request.

  • The sworn disclosure must identify the insurer, each insured, liability limits, known policy or coverage defenses, and include a copy of the policy.
  • The disclosure applies to each known liability policy, including excess or umbrella insurance.
  • The insured or insurance agent, on written request, must disclose the name and coverage of each known insurer and forward the request to affected insurers.
  • The insurer must amend its statement immediately upon discovering facts requiring an amendment.

Current-law review: September 16, 2026. Surplus-lines liability policies are governed by a separate disclosure statute with different timing.