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ARTICLE · 13 AUGUST 2025

New Florida Law May Spur Changes In Builder Insurance And Liability

Phelps Dunbar LLP
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Starting July 1, Florida law will require builders of newly constructed homes to provide a mandatory 1-year warranty against material construction defects.

United StatesReal Estate and Construction
Bret M. Feldman
Bret M. Feldman
Katherine Karam
Katherine Karam
Gabi Garcia
Gabi Garcia

Starting July 1, Florida law will require builders of newly constructed homes to provide a mandatory 1-year warranty against material construction defects. The new statute, Section 553.837, Florida Statutes, establishes minimum warranty standards and remedies, and will have significant implications for residential builders, developers, and real estate professionals operating in Florida. Learn more about what the warranty does and does not cover here.

How the New Statutory Warranty Interacts with CGL Coverage for Contractors
The new law does not change the rules governing standard commercial general liability (CGL) policies for contractors. CGL policies typically provide coverage for:

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