Three notice regimes, one presuit statute, and dates you cannot count by hand.
Florida rewrote § 627.70132 twice in five years and keyed the result to the policy, not the loss. Trial Commander reads the policy's issue or renewal date and computes the notice, carrier-duty and presuit clocks that follow from it — with the § 627.70152 business-day count done on the statutory holiday list. A practice-area edition at +$30 per user per month, enabled by the firm admin.
The notice-of-claim regime, decided by the policy
Three windows have governed § 627.70132 since 2021 — the pre-SB 76 windstorm-only text, SB 76's 2-year/3-year any-peril text, and SB 2A's 1-year/18-month text. Which one applies turns on when the policy was issued or renewed. The engine picks the regime from that date, names the session law it came from, and shows the shorter window alongside when the policy sits near a boundary.
Presuit notice, counted in business days
§ 627.70152 requires a DFS-form notice at least 10 business days before suit, and the statute never defines a business day. The engine counts weekends and the § 110.117 legal-holiday list, says so on the result, and moves the earliest suit date later rather than earlier — over-counting holidays is the safe direction for a claimant.
The retroactivity split, carried on the date
Whether § 627.70152 binds a policy issued before 1 July 2021 is a certified conflict — four districts say no, two say yes, and Hughes (SC2024-0025) is still undecided. For such a policy the dates are computed anyway and the warning travels with them, because serving the notice costs nothing and not serving it costs the suit in two districts.
Carrier duties on their own clock
§ 627.70131's acknowledgement, inspection and pay-or-deny windows tracked per claim, with an insurer's deadline reported on the next business day when it lands on a weekend — the earliest day a violation can honestly be declared.
The suit limitation, reported raw
The § 95.11 bar is the one date the engine refuses to roll forward. A court filing would normally move to the next business day under Rule 2.514; a limitations date is the last place to rely on that, so the raw statutory day is what the page shows, and it says why.
The rest of the file, unchanged
The edition adds clocks to the practice system you already have — matter file, documents, deadlines, billing, trust, the bilingual client portal — rather than standing up a second system beside it.
These numbers are read from the product's own registries at build time, not written by marketing.
- —2 drafting skills that produce first drafts under the Florida practice context and Rule 2.515(d)(2) certification
- —19 docket events that compute their deadlines on the Florida court calendar (Rule 2.514)
- ·§ 627.70132 notice of claim, keyed to the policy's issue or renewal date (the SB 76 and SB 2A regimes)
- ·§ 627.70152 presuit notice of intent to litigate (10 business days) and the § 627.70131 carrier-duty clocks
- —Every statute read from the Legislature's 2026 text and every effective date from the session law itself
- —Reviewed and approved by a Florida-barred attorney before the surface shipped
- —Gated twice: the reviewer signature, and the firm's edition grant
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