SB 2-A: What Changed for Boards
The December 2022 special-session reforms (SB 2-A) still govern every Florida property claim today. Three changes matter most for boards, and one of them makes litigation a much more expensive fallback than it used to be.
Notice deadlines
SB 2-A is where the current one-year notice and 18-month supplemental-claim deadlines originate. They apply to association claims like any other property claim.
The assignment-of-benefits ban
Assignment of benefits (AOB) is prohibited on property insurance policies issued on or after January 1, 2023. A contractor can no longer take an assignment of your association’s claim and pursue the carrier in your place.
Attorney-fee reform
The one-way attorney-fee entitlement for policyholders was eliminated for both residential and commercial property insurance lawsuits. Litigation is no longer the cheap lever it once was, which is a strong reason to document and negotiate a claim correctly the first time rather than assuming a lawsuit will fix an underpayment later.
Sources
- SB 2-A (December 2022 special session), effective December 16, 2022 — legal summary, chartwelllaw.com
This page is for general information, not legal advice. Confirm any deadline or obligation against your association’s governing documents and current Florida law.
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