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Worked example
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An example endorsement scores 40.67 on the Flesch reading ease test, and Florida insurance form writers need 45. The form has 2,400 words, 80 sentences and 3,850 syllables, and to pass it needs 14 more sentences or 123 fewer syllables.
| Line | Value |
|---|---|
| Words per sentence | 2,400 / 80 = 30 |
| Syllables per word | 3,850 / 2,400 = 1.6042 |
| Flesch reading ease | 206.835 - 1.015 x 30 - 84.6 x 1.6042 = 40.67 |
| Florida minimum | 45 |
| Sentences to split | 14 |
| Or syllables to cut | 123 |
Who this is for
You write or file policy forms, endorsements and riders for an insurer or MGA in Florida. Fla. Stat. 627.4145 says a policy form is readable only if its text reaches 45 on the Flesch reading ease test, computed the way subsection (5) spells it out. The filing also needs a certification signed by an officer of the insurer. If a form is under 45, that certification can only ask the Office of Insurance Regulation to approve a lower score under subsection (2).
Why the number in your grammar extension is not the Florida number
A grammar and writing checker browser extension gives you a readability score, but it counts by its own rules. The statute counts its own way:
- A sentence is any unit of words ending in a period, semicolon or colon. Headings and captions do not count.
- A contraction, a hyphenated word, or numerals and letters separated by spaces count as one word.
- The insurer's name and address, the policy title, the table of contents, captions, specification pages, schedules, tables, defined words and medical terms are not text.
Policy language is full of semicolons, colons and defined terms, so a count that stops sentences only at periods gives you a different score than the one the statute describes.
What to change when a form fails
The calculator works backwards from 45. At 1.6042 syllables per word, the longest average sentence that still passes is 25.74 words. With 2,400 words that is 94 sentences instead of 80, so you split 14 long sentences, usually at the semicolons that already join two duties. If you keep the sentence length, you cut 123 syllables instead: swap "notwithstanding" for "even if", or "in the event that" for "if".
The same screen also shows the Flesch-Kincaid grade (15.04 here), the Gunning Fog index (18), and two rules writers tend to forget. A form over 3,000 words or over three pages needs a table of contents or an index. A form over 10,000 words may be scored with two 200-word samples per page instead of the whole text.
Free page and workbook
The free page scores one form. Paste the text and it counts words, sentences and syllables by the statute's rules, sets lines without an end mark aside as headings, and gives you the score and the fix. Nothing is uploaded and you need no account.
The workbook is for the whole filing. The Filing log scores 30 forms side by side and turns failing rows red. The Certification sheet lists every form with its score for the signing officer, and the Counting rules sheet sets out the 16 rules from the statute. It costs $21 once, not a subscription.
What the hand count costs
Counting by hand is compliance or writing time. BLS OEWS May 2025 puts the median compliance officer at $38.81 an hour and the median technical writer at $43.46 an hour.
15 seconds — what it actually does
Questions people ask
What does this readability calculator do?
It computes the Flesch reading ease score exactly as Fla. Stat. 627.4145(5) writes it: 206.835 minus 1.015 times words per sentence minus 84.6 times syllables per word. It then tells you if the form reaches 45, how many sentences to split or syllables to cut to get there, the Flesch-Kincaid grade, Gunning Fog, and whether the table-of-contents rule applies.
Who is this for?
Policy form writers, product filing analysts and compliance officers who file insurance policy forms, endorsements and riders in Florida. The statute makes the insurer's officer sign a certification that each form meets the minimum score, so the person preparing the filing needs a score they can defend, form by form.
Why not use the score in a free grammar checker extension?
A grammar and writing checker browser extension scores readability by its own rules. Florida counts a sentence at every period, semicolon or colon, counts a contraction or hyphenated word as one word, and leaves out headings, captions, defined words, schedules and tables. Policy text is full of semicolons and defined terms, so the counting changes the score.
What is free and what is in the workbook?
The web page is free and complete for one form: paste the text, get the score and the fixes. The workbook is for the whole filing: a log of up to 30 forms scored side by side, a certification sheet listing every form and its score for the officer's statement, and the statute's counting rules on one sheet.
What does it cost compared with doing it by hand?
Counting words, sentences and syllables by hand is compliance or writing time: BLS OEWS May 2025 puts the median compliance officer at $38.81 an hour and the median technical writer at $43.46 an hour. The workbook is $21 once, not a subscription, and runs on your own computer without an account.
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