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The Florida Office of Insurance Regulation (OIR) has issued an emergency order extending grace periods and limiting cancellations and nonrenewals.

The order applies to all insurers in the state and policyholders in Alachua, Charlotte, Citrus, Columbia, Dixie, Gadsden, Gilchrist, Gulf, Franklin, Hamilton, Hernando, Hillsborough, Jefferson, Lafayette, Lee, Leon, Levy, Liberty, Madison, Manatee, Pasco, Pinellas, Sarasota, Suwannee, Taylor, and Wakulla counties. The order:

• Extends grace periods for any policy, provision, notice, correspondence, or law that imposes a time limit upon an insured to perform any act until November 26, 2024.

• Prohibits the cancellation or nonrenewal of a policy in an impacted area, except at the written request of the policyholder, until November 26, 2024.

• Prohibits the cancellation or nonrenewal of a personal residential or commercial residential property insurance policy covering a property repaired as a result of damage from Hurricane Helene for a period of 90 days after it has been repaired.

• Directs insurers, surplus lines, and other regulated entities to implement processes and procedures to facilitate the efficient payment of claims.

Floridians seeking assistance with insurance-related questions should contact the Department of Financial Services Consumer Services either by visiting their website or by contacting the DFS Consumer Services Assistance Line at 1-877-693-5236. The line is open Monday through Friday from 8:00 a.m. to 4:30 p.m.