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Five New Florida Laws Now in Effect: Here’s What Every Resident Should Know

Florida skyline with palm trees

Florida rings in the new year with impactful statewide changes shaping healthcare, pets, insurance policies, and government employee benefits. First reported by NBC Miami and Telemundo Digital, these five laws—official as of January 1—are already influencing everyday life across the Sunshine State.

For working professionals—from medical providers and insurance agents to anyone navigating Florida’s evolving licensing requirements—understanding these legislative updates is essential. At Cameron Academy, where thousands train in real estate, insurance, medical fields, and more, these swift shifts highlight how important it is to stay educated and informed.

1. SB 1808 – Faster Refunds for Medical Overpayments

Healthcare professionals now have a strict 30‑day deadline to return any excess payments made by patients. Violations may result in fines up to $500 per incident.

This upgrade boosts transparency and ensures Floridians receive their rightful refunds quickly—benefiting both patients and medical administrators.

2. HB 255 – “Dexter’s Law,” Florida’s Animal Abuse Registry

A brand‑new statewide public database now lists residents charged with animal cruelty. The law was inspired by the tragic case of Dexter, a rescued dog who was inhumanely decapitated after adoption.

This is one of Florida’s strongest protections yet for vulnerable animals, helping shelters and adopters make safe, informed decisions.

3. SB 158 – Eliminating Breast Exam Copays for State Employees

State employees will no longer pay copays for diagnostic or supplemental breast examinations, expanding access to early detection and critical preventive care.

Thousands of Floridians in government roles stand to benefit from this life‑supporting change.

4. HB 655 – New Transparency Rules for Pet Insurance

Pet insurance now comes with increased consumer transparency. Companies must clearly disclose exclusions, pre‑existing condition rules, claim formulas, and exam requirements.

Customers receive a 30‑day review period for refunds, and insurers can no longer require wellness programs to secure coverage.

Importantly, insurance agents must complete specialized pet‑insurance training—an area where Cameron Academy continues to help professionals stay licensed, compliant, and competitive.

5. SB 944 – Faster Overpayment Disputes for Psychologists

Insurance companies now have only 12 months—down from 30 months—to file overpayment claims against psychologists.

This keeps financial disputes timely and supports mental health professionals by reducing long‑term administrative uncertainties.

Want more updates impacting Florida’s licensed professionals?
Explore flexible online courses in real estate, insurance, healthcare, and more at CameronAcademy.com—built for modern professionals who want to stay ahead.

Source: NBC Miami — New Florida Laws Take Effect 2026

More Articles

Getting licensed or staying ahead in your career can be a journey—but it doesn’t have to be overwhelming. Grab your favorite coffee or tea, take a moment to relax, and browse through our articles. Whether you’re just starting out or renewing your expertise, we’ve got tips, insights, and advice to keep you moving forward. Here’s to your success—one sip and one step at a time!

How Post‑Election Power Shifts Are Setting Up a New Real Estate Landscape for 2026

Local elections across major U.S. cities have kicked off a wave of policy changes that could reshape development costs, rental income, and investment strategies heading into 2026. From NYC’s aggressive tenant‑protection agenda to Chicago’s sustainability push, Miami’s political uncertainty, and Boston’s steady zoning overhaul, the post‑election environment is redefining how real estate professionals, investors, and lenders should prepare for the year ahead.

By |November 20, 2025|Categories: Article, Government Policy Impact, Professional Development Trends, Real Estate Market Analysis|Tags: , , |0 Comments
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The Surge of AI Insurance Exclusions Reshaping Professional Liability in 2025

Insurance carriers are rapidly rolling out AI-related exclusions that strip coverage from claims involving AI tools, automated decision‑making, or generative platforms like ChatGPT and Midjourney. With firms like Berkley and Hamilton introducing sweeping “absolute” and generative‑AI‑specific exclusions, professionals in real estate, mortgage, insurance, and finance now face new liability gaps. As AI becomes unavoidable in everyday work, understanding these exclusions is essential for protecting your career and staying compliant in a fast‑changing risk environment.

By |November 20, 2025|Categories: Article, Artificial Intelligence in Professional Industries, Insurance Industry Trends, Risk Management and Compliance|Tags: , , |0 Comments
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Venn Lands $52M to Rebuild the Renting Experience — A Shift Real Estate Pros Can’t Ignore

Proptech startup Venn has raised a $52 million Series B to unify the entire renting lifecycle into one intelligent platform, replacing over a dozen traditional systems and serving more than half a million tenants. As AI‑powered tools like Venn rapidly reshape property operations, real estate professionals — especially in fast‑moving markets like Florida — will need stronger education and tech‑savvy skills to stay competitive.

By |November 20, 2025|Categories: Article, Professional Development, Property Management Industry, Real Estate Technology|Tags: , , |0 Comments
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Rising Insurance Costs Push Florida’s Middle Class to the Brink

Florida’s Gulf Coast is undergoing a dramatic transformation as soaring insurance premiums, costly construction requirements, and the long shadow of Hurricane Ian force middle‑class families, workers, and longtime residents out of communities they once anchored. With premiums topping $5,700 a year — and many paying far more — Realtors warn of looming foreclosures, renters face steep increases, and entire neighborhoods are being rebuilt for wealthier newcomers. This mounting crisis is reshaping the state’s real estate landscape and leaving professionals scrambling to adapt.

By |November 20, 2025|Categories: Article, Florida Real Estate, Housing Market Trends, Insurance Industry|Tags: , , |0 Comments
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Top Commercial Real Estate Issues to Watch in 2026

Economic uncertainty, rapid tech advances and shifting population patterns are setting the stage for a pivotal year in commercial real estate. New findings from the Counselors of Real Estate, presented at NAR NXT, outline ten major forces reshaping strategy, investment and opportunity in 2026—from policy impacts and portfolio risk to AI adoption, capital flow changes, housing attainability and demographic shifts. This outlook offers clarity and caution for professionals across real estate, mortgage, finance and related fields.

By |November 20, 2025|Categories: Article, Commercial Real Estate, Economic Trends, Technology in Real Estate|Tags: , , |0 Comments
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New Reforms, Familiar Risks: Why Florida’s Home Insurance Market Still Isn’t Stabilizing

Florida’s home insurance crisis is back in the spotlight as new reforms appear to be repeating decades‑old mistakes. Despite efforts to depopulate Citizens and attract private insurers, many of the companies taking over policies have ties to past insolvencies. Critics say weak oversight, generous ratings, and political influence are allowing unstable insurers to thrive while homeowners pay more for less protection. Experts warn that without transparent ratings, real accountability, and unified regulation, Florida’s insurance market will remain vulnerable—putting property values, lending, and the broader real estate industry at risk.

By |November 20, 2025|Categories: Article, Florida Real Estate, Government and Policy, Insurance Industry|Tags: , , |0 Comments
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By checking the optional box below, you expressly consent to receive marketing text messages from Cameron Academy at the number you provided, about real estate education, course enrollment, licensing exam preparation, and continuing education offers. Consent is not a condition of purchase, registration, or enrollment. Message frequency varies. Message and data rates may apply. Reply Stop to cancel at any time or Help for help. See our Privacy Policy for how your information is handled. Additionally, by checking the box below, you expressly consent to receiving marketing calls at the number you provided, including by auto-dialer, pre-recorded or artificial voice, from Cameron Academy about real estate education related matters, but not as a condition of purchase. This consent applies even if you are on a corporate, state or national Do Not Call List.

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