{"data":{"id":"us-fl/fla.-stat.-627.607","jurisdiction":"us-fl","citation":"Fla. Stat. § 627.607","heading":"Time limit on certain defenses.","body":"(1) The contract shall include the following provision:\n“Time Limit on Certain Defenses: After 2 years from the issue date, only fraudulent misstatements in the application may be used to void the policy or deny any claim for loss incurred or disability starting after the 2-year period.”\n(2) A policy may, in place of the provision set forth in subsection (1), include the following provision:\n“Incontestable:\n(a) Misstatements in the Application: After this policy has been in force for 2 years during the insured’s lifetime (excluding any period during which the insured is disabled), the insurer cannot contest the statements in the application.\n(b) Preexisting Conditions: No claim for loss incurred or disability starting after 2 years from the issue date will be reduced or denied because a sickness or physical condition, not excluded by name or specific description before the date of loss, had existed before the effective date of coverage.”\nHistory.—s. 550, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 456, 497, 809(2nd), ch. 82-243; s. 79, ch. 82-386; ss. 56, 114, ch. 92-318.","path":["CHAPTER 627 INSURANCE RATES AND CONTRACTS"],"source_url":"https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute\u0026URL=0600-0699/0627/0627.html","current_through":"2026 Florida Statutes","vintage":"","retrieved_at":"2026-08-27T02:10:50Z","sha256":"a0da689c0054c5b8963607b596d9846d8f3c75ee1ab7f306f8f63f28b7828e0e","source_id":"us-fl","stale":false,"prev":"us-fl/fla.-stat.-627.606","next":"us-fl/fla.-stat.-627.608"},"notice":"GroundRules: Original legal text. Not legal advice."}