On this page
Property and casualty rate, rule and form filings in Florida are reviewed by the Florida Office of Insurance Regulation. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Florida Office of Insurance Regulation |
|---|---|
| Filing system | IRFS and I-File (department source) |
| Public filings | IRFS Forms & Rates Filing Search (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Homeowners and auto combination, Aircraft, Boiler and machinery, Mortgage guaranty |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Florida, each linked to the official text.
- Fla. Stat. 627.062(3)(d) — nonresidential multiperil is outside the file-and-use machineryCommercial multi-peril · Statute
- Fla. Stat. 627.062(2)(a)1 - file and use deemerHomeowners and auto combination · Department guidance
- Fla. Stat. 627.062 - Rate standardsStatute
- Fla. Stat. 627.4133 - Notice of cancellation, nonrenewal or renewal premiumStatute
- Fla. Stat. 627.0629 - Residential property insurance rate filingsHomeowners · Statute
- Fla. Stat. 627.711 - Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification formHomeowners · Statute
How to search Florida's public rate and form filings
- The Office of Insurance Regulation's Public Records Office page lists form (policy) and rate filings made by insurers among frequently requested records and links them to its IRFS filing search. Source
- OIR says rate filings can be found in its Insurance Regulatory Filing System (IRFS) by file log number or company name. Source
- Rate changes shown in the search may not fully reflect increases and decreases, because of trade secret claims. Source
- Public records, and legal orders issued by OIR, can be requested from OIR's Public Records Office. Source
Start from the department's page: Florida Office of Insurance Regulation.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Fla. Stat. 624.4213 - Trade secret documentsStatute
- Fla. Stat. 624.501 - Filing, license, appointment and miscellaneous feesStatute
- Fla. Stat. 626.9741 - Use of credit reports and credit scores by insurersStatute
- Fla. Stat. 627.062 - Rate standardsStatute
- Fla. Stat. 627.0651 - Making and use of rates for motor vehicle insuranceStatute
- Fla. Stat. 627.410 - Filing, approval of formsStatute
- Fla. Stat. 627.4133 - Notice of cancellation, nonrenewal or renewal premiumStatute
- Fla. Stat. 627.4145 - Readable language policiesStatute
Last reviewed
Homeowners
Florida sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- Fla. Stat. 215.555 - Florida Hurricane Catastrophe FundStatute
- Fla. Stat. 627.0628 - Florida Commission on Hurricane Loss Projection MethodologyStatute
- Fla. Stat. 627.0629 - Residential property insurance rate filingsStatute
- Fla. Stat. 627.351(6) - Citizens Property Insurance CorporationStatute
- Fla. Stat. 627.701 - Hurricane and other deductiblesStatute
- Fla. Stat. 627.711 - Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification formStatute
Last reviewed
Personal auto
Florida sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Fla. Stat. 626.9743 - Claim settlement practices relating to motor vehicle insuranceStatute
- Fla. Stat. 627.0651 - Making and use of rates for motor vehicle insuranceStatute
- Fla. Stat. 627.0652 - Motor vehicle insurance discount for accident prevention courseStatute
- Fla. Stat. 627.0653 - Provisions for insurance discounts on motor vehicle equipmentStatute
- Fla. Stat. 627.066 - Excessive profits for private passenger automobile insurance prohibitedStatute
- Fla. Stat. 627.727 - Uninsured and underinsured vehicle coverageStatute
Last reviewed
Property and dwelling fire
Florida sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Fla. Stat. 627.062(3)(d) - commercial lines outside the rate filing trackStatute
- Fla. Stat. 627.0645 - Annual filingsStatute
- Fla. Stat. 627.171 - Excess ratesStatute
- Fla. Stat. 627.351(2), 627.351(6) and 215.555 - the property catastrophe perimeterStatute
- Fla. Stat. 627.4025 - Residential coverage definedStatute
- Fla. Stat. 627.4102 - Informational filing of formsStatute
Last reviewed
Workers' compensation
Florida sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Fla. Stat. 627.021 - Scope of the rating partStatute
- Fla. Stat. 627.062(2) - the rate filing procedures do not reach workers compensationStatute
- Fla. Stat. 627.072 - Making and use of ratesStatute
- Fla. Stat. 627.091 - Rate filings; workers' compensation and employer's liability insurancesStatute
- Fla. Stat. 627.0915 - Rate filings; workers' compensation, drug-free workplace, and safe employersStatute
- Fla. Stat. 627.101 - When filing becomes effective; workers' compensation and employer's liability insurancesStatute
Last reviewed
Commercial multi-peril
Florida sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Fla. Stat. 627.062(3)(d) — nonresidential multiperil is outside the file-and-use machineryStatute
- Fla. Stat. 627.0628 — the accepted hurricane model must be used and may not be adjustedStatute
- Fla. Stat. 627.0645 — the annual base rate filing reaches commercial residential multiperilStatute
- Fla. Stat. 627.171 — excess rates are Florida's consent to rate, capped by volumeStatute
- Fla. Stat. 627.215 — the commercial excess profit test reaches both halves of a packageStatute
- Fla. Stat. 627.4102 — the commercial form track is an informational filingStatute
Last reviewed
Inland marine
Florida sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- Fla. Stat. 627.021 - scopeStatute
- Fla. Stat. 627.062 - rate standards and filing proceduresStatute
- Fla. Stat. 627.410 - filing and approval of formsStatute
- Fla. Stat. 627.4102 - commercial formsStatute
Last reviewed
Homeowners and auto combination
Florida sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- Fla. Stat. 627.062(2)(a)1 - file and use deemerDepartment guidance
- Fla. Stat. 627.410 - Filing, approval of formsDepartment guidance
- Fla. Stat. 627.4133 - Notice of cancellation, nonrenewalDepartment guidance
- Fla. Stat. 627.4145 - Readable language policiesDepartment guidance
Last reviewed
Aircraft
Florida sources for aircraft filings (SERFF type of insurance 22.0 Aircraft).
- Fla. Stat. 627.062(2)(a)1 - file and use deemerDepartment guidance
- Fla. Stat. 627.410 - Filing, approval of formsDepartment guidance
- Fla. Stat. 627.4145 - Readable language policiesDepartment guidance
Last reviewed
Boiler and machinery
Florida sources for boiler and machinery filings (SERFF type of insurance 27.0 Boiler & Machinery).
- Fla. Stat. 627.062(2)(a)1 - file and use deemerDepartment guidance
- Fla. Stat. 627.410 - Filing, approval of formsDepartment guidance
- Fla. Stat. 627.4145 - Readable language policiesDepartment guidance
Last reviewed
Mortgage guaranty
Florida sources for mortgage guaranty filings (SERFF type of insurance 06.0 Mortgage Guaranty).
- Fla. Stat. 627.062(2)(a)1 - file and use deemerDepartment guidance
- Fla. Stat. 627.410 - Filing, approval of formsDepartment guidance
- Fla. Stat. 627.4145 - Readable language policiesDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Florida Office of Insurance Regulation before you file. All states