Root Florida Insurance Company submitted updated underwriting guidelines to the Florida Office of Insurance Regulation on April 17, 2025. The revisions adjust vehicle rules, clarify criteria for named insureds, and ease telematics score thresholds to broaden eligibility.

The company also opted out of Florida’s preinsurance vehicle inspection requirement and outlined stricter renewal conditions, particularly around accident history, policy changes, and cooperation with claims handling.

The updates are filed with an effective date of April 14, 2025.