HB 1431 2025
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hb1431-00
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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
A bill to be entitled 1
An act relating to public records; amending s. 2
627.711, F.S.; providing exemptions from public 3
records requirements for insureds' uniform mitigation 4
verification inspection forms and associated data 5
entered into the Office of Insurance Regulation 6
database; providing for future legislative review and 7
repeal of the exemptions; providing a statement of 8
public necessity; providing a contingent effective 9
date. 10
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Be It Enacted by the Legislature of the State of Florida: 12
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Section 1. Paragraph (e) of subsection (2) of section 14
627.711, Florida Statutes, as amended by HB 1429 or similar 15
legislation, 2025 Regular Session, is redesignated as paragraph 16
(f), and a new paragraph (e) is added to that subsection to 17
read: 18
627.711 Notice of premium discounts for hurricane loss 19
mitigation; uniform mitigation verification inspection form. — 20
(2) 21
(e)1. The electronic filings and the associated data 22
entered into the database und er paragraph (d), including the 23
policyholders' identities, telephone numbers, e -mail addresses, 24
insurance companies, and insurance policy numbers, are 25
HB 1431 2025
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hb1431-00
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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
confidential and exempt from s. 119.07(1) and s. 24(a), Art. I 26
of the State Constitution. 27
2. This paragraph is subject to the Open Government Sunset 28
Review Act in accordance with s. 119.15 and shall stand repealed 29
on October 2, 2030, unless reviewed and saved from repeal 30
through reenactment by the Legislature. 31
Section 2. The Legislature finds that it is a public 32
necessity that a statewide uniform mitigation verification 33
inspection form submitted electronically, which reveals the 34
policyholder's name, identity, telephone number, e -mail address, 35
insurance company, and insurance policy number be confidential 36
and exempt from s. 119.07(1), Florida Statutes, and s. 24(a), 37
Article I of the State Constitution. Uniform mitigation 38
verification inspection forms reveal critical personal 39
identifying information regarding policyholders and, in 40
aggregate, can be used to identify information claimed as a 41
trade secret pursuant to s. 624.4213, Florida Statutes. 42
Disclosing identifying information contained in uniform 43
mitigation verification inspection forms significantly 44
undermines the privacy of policyholders and can result in the 45
release of otherwise exempt trade secret information protections 46
claimed by insurers. Pervasive use of the Internet and related 47
technologies abet those with malicious purposes in exploiting 48
the use of personal identifying information within uniform 49
mitigation verification inspection forms, creating ever -50
HB 1431 2025
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hb1431-00
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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
expanding threats to privacy and security never envisioned in 51
generations past. The establishment of a statewide database to 52
be operated by the Office of Insurance Regulation will lead to a 53
single repository with a vast amount of identifying information. 54
Furthermore, the public disclosure of such information could 55
hinder the effective and efficient administration of the 56
database. Therefore, the Legislature finds that it is a public 57
necessity to make ex empt from public records requirements 58
identifying information contained in the uniform mitigation 59
verification inspection form electronic submissions. 60
Section 3. This act shall take effect on the same date 61
that HB 1429 or similar legislation takes effe ct, if such 62
legislation is adopted in the same legislative session or an 63
extension thereof and becomes a law. 64