# Fla. Stat. § 627.409: 627.409 Representations in applications; warranties

> Florida · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.409

## Section

- **Citation:** Fla. Stat. § 627.409
- **Heading:** 627.409 Representations in applications; warranties
- **Jurisdiction:** Florida
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Florida Code / Title XXXVII / Chapter 627 / Part II / Section 627.409

## Text

(1) Any statement or description made by or on behalf of an insured or annuitant in an application for an insurance policy or annuity contract, or in negotiations for a policy or contract, is a representation and not a warranty. Except as provided in subsection (3), a misrepresentation, omission, concealment of fact, or incorrect statement may prevent recovery under the contract or policy only if any of the following apply: (a) The misrepresentation, omission, concealment, or statement is fraudulent or is material to the acceptance of the risk or to the hazard assumed by the insurer. (b) If the true facts had been known to the insurer pursuant to a policy requirement or other requirement, the insurer in good faith would not have issued the policy or contract, would not have issued it at the same premium rate, would not have issued a policy or contract in as large an amount, or would not have provided coverage with respect to the hazard resulting in the loss.

(2) A breach or violation by the insured of a warranty, condition, or provision of a wet marine or transportation insurance policy, contract of insurance, endorsement, or application does not void the policy or contract, or constitute a defense to a loss thereon, unless such breach or violation increased the hazard by any means within the control of the insured.

(3) For residential property insurance, if a policy or contract has been in effect for more than 90 days, a claim filed by the insured cannot be denied based on credit information available in public records.

History: s. 458, ch. 59-205; s. 2, ch. 71-45; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 363, 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; ss. 30, 114, ch. 92-318; s. 2, ch. 2014-86.

## Nearby sections

- [Fla. Stat. § 627.401 627.401 Scope of this part.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.401.md)
- [Fla. Stat. § 627.402 627.402 Definitions.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.402.md)
- [Fla. Stat. § 627.403 627.403 “Premium” defined.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.403.md)
- [Fla. Stat. § 627.404 627.404 Insurable interest; personal insurance.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.404.md)
- [Fla. Stat. § 627.405 627.405 Insurable interest; property.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.405.md)
- [Fla. Stat. § 627.406 627.406 Power to contract; purchase of insurance by or for minor.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.406.md)
- [Fla. Stat. § 627.407 627.407 Alteration of application.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.407.md)
- [Fla. Stat. § 627.408 627.408 Application as evidence.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.408.md)
- [Fla. Stat. § 627.409 627.409 Representations in applications; warranties.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.409.md)
- [Fla. Stat. § 627.410 627.410 Filing, approval of forms.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.410.md)
- [Fla. Stat. § 627.411 627.411 Grounds for disapproval.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.411.md)
- [Fla. Stat. § 627.412 627.412 Standard provisions, in general.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.412.md)
- [Fla. Stat. § 627.413 627.413 Contents of policies, in general; identification.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.413.md)
- [Fla. Stat. § 627.414 627.414 Additional policy contents.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.414.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PII_S627.409. Check the current official text before relying on it. Not legal advice.