Florida Administrative Code, Division 69O (Office of Insurance Regulation)

What this document is

Florida Administrative Code, Division 69O (Office of Insurance Regulation): chs. 69O-166 (Property and Casualty Insurer Practices), 69O-167 (Property and Casualty Insurance Contracts), 69O-170 (Property and Casualty Insurance Rating), 69O-175 (Motor Vehicle Insurance) and 69O-176 (Motor Vehicle Insurance Requirements), 87 of the 89 rules the publisher lists (the two omitted are 69O-170.021 and 69O-170.022, transferred stubs whose .doc file holds a title and nothing else) (87 rules, 69O-166.021-69O-176.022) is a regulation published by Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code. It is one of the Florida documents that insurance license exam questions are written from, including florida property & casualty, florida personal lines, florida claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Fla. Admin. Code R. 69O-167.022(6)(h) (Conditions under Which Marine and/or Transportation Policies May Cover; Builders Risks and Installation Risks)

  “(h) Builders Risks and/or Installation Risks covering interest of owner, seller or contractor, against loss or damage to machinery, equipment, building materials or supplies, being used with and during the course of installation, testing, building, renovating or repairing. Such policies may cover...”

• Fla. Admin. Code R. 69O-167.022(5)(f)-(k) (Conditions under Which Marine and/or Transportation Policies May Cover; Personal Property Floater Risks)

  “(f) Wedding Present Floaters for not exceeding ninety (90) days after the day of the wedding. (g) Silverware Floaters. (h) Fine Arts Floaters covering paintings, etchings, pictures, tapestries, art glass windows, and other bona fide works of art of rarity, historical value or artistic merit. (i)...”

• Fla. Admin. Code R. 69O-167.009 (Mortgage Property Insurance Requirements Limited)

  “69O-167.009 Mortgage Property Insurance Requirements Limited. No mortgage lender shall, in connection with any application for a mortgage loan in this state which is secured by a mortgage on residential real estate located in this state, require any prospective mortgagor to obtain by purchase or...”

• Fla. Admin. Code R. 69O-167.005 (Warranties in Policy Forms)

  “69O-167.005 Warranties in Policy Forms. No insurer shall use the words “warrant,” “warranted,” “warrants,” or “warranty” in contracts of insurance or in insurance applications in reference to statements made by applicants or insureds. In appropriate situations, an insurer may use the word “agrees”...”

• Fla. Admin. Code R. 69O-167.001(3)-(4) (Return of Unearned Premium; Audit Policies)

  “(3) Subsections (1) and (2), above, do not apply to audit policies. Audit policies shall be subject to a time limitation of ninety (90) days from the date of cancellation to make the return of unearned premiums, if any. If such audit is not complete within this time limitation, then the insured’s...”

• Fla. Admin. Code R. 69O-167.022(6)(j) (Conditions under Which Marine and/or Transportation Policies May Cover; Property in the Custody of Bailees)

  “(j) Property in transit to or from and in the custody of bailees (not owned, controlled or operated by the bailor). Such policies shall not cover bailee’s property at his premises.”

• Fla. Admin. Code R. 69O-167.022(6)(o) (Conditions under Which Marine and/or Transportation Policies May Cover; Floor Plan Policies)

  “(o) Floor Plan Policies, covering property for sale while in possession of dealers under a Floor Plan or any similar plan under which the dealer borrows money from a bank or lending institution with which to pay the manufacturer, provided: 1. Such merchandise is specifically identifiable as...”

• Fla. Admin. Code R. 69O-167.006 (Property Insurance: Accidental Death and Dismemberment Endorsements)

  “(1) All insurers authorized to write property coverages in this state shall be permitted to attach to or include in the policy, provisions for accidental death and dismemberment coverage and for medical expense coverage. (2) Such coverage shall become incidental to and a part of the property...”

• Fla. Admin. Code R. 69O-167.022(5)(l) (Conditions under Which Marine and/or Transportation Policies May Cover; Installment Sales and Leased Property)

  “(l) Installment Sales and Leased Property Policies covering property pertaining to a household and sold under conditional contract of sale, partial payment contract or installment sales contract or leased, but excluding motor vehicles designed for highway use. Such policies must cover in transit...”

• Fla. Admin. Code R. 69O-167.023 (Conditions under Which Marine or Transportation Policies Do Not Cover)

  “Unless otherwise permitted, nothing in the foregoing shall be construed to permit marine or transportation policies to cover: (1) Storage of Assured’s merchandise, except as hereinbefore provided. (2) Merchandise in course of manufacture, the property of and on the premises of the manufacturer. (3)...”

• Fla. Admin. Code R. 69O-167.011(2) (Homeowner’s Policies; Written Statement of Selection or Rejection)

  “(2) Pursuant to Section 627.7011, F.S., insurers are required to obtain a written statement from the holder of a homeowner’s policy regarding that policyholder’s selection or rejection of replacement cost coverage and law and ordinance coverage, as those coverages are described in Section 627.7011,...”

• Fla. Admin. Code R. 69O-175.008 (Unfair Discrimination in Private Passenger Motor Vehicle Insurance Rates; Based on History of Accidents)

  “No insurer or person authorized to engage in the business of insurance in the State of Florida shall use any motor vehicle accidents which may have occurred at any time in the past except for the 36 months immediately preceding the effective date of the new or renewal policy as a basis for imposing...”

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More Florida sources

• Florida Administrative Code, Division 69O: chs. 69O-123 (Civil Remedy), 69O-124 (Anti-Coercion), 69O-125 (Unfair Discrimination), 69O-142 (Insurer Conduct), 69O-153 (Deceptive Insurance Practices), 69O-189 (Workers' Compensation), 69O-196 (Premium Finance Companies), 69O-215 (Agents), 69O-220 (Adjusters), 69O-228 (Continuing Education), 69O-230 (General Ethics and Disclosure Requirements) and 69O-231 (Penalty Guidelines for Insurance Representatives) (98 rules, 69O-123.001-69O-231.160)Regulation
• Florida Statutes s. 626.112 - License and appointment requiredState statute
• Florida Statutes s. 626.2815 - Continuing education requirementsState statute
• Florida Statutes s. 626.611 - Grounds for compulsory refusal, suspension, or revocation of licenseState statute
• Florida Statutes s. 626.621 - Grounds for discretionary refusal, suspension, or revocation of licenseState statute
• Florida Statutes s. 626.641 - Duration of suspension or revocation of licenseState statute
• Florida Statutes s. 626.7451 - Managing general agents; required contract provisionsState statute
• Florida Statutes s. 626.9521 - Unfair methods of competition; prohibited; penaltiesState statute