SUAREZ, J.
This appeal arises out of the trial court's grant of summary judgment in favor of Chicago Title Insurance Company ("Chicago Title"). The appellants are representatives of a class action lawsuit against Chicago Title, the appellee, alleging that Chicago Title uniformly overcharges for title insurance in mortgage refinance transactions. The sole issue on appeal is whether the trial court correctly interpreted Regulation 690-186.003(2), Florida Administrative Code, which provides conditions under which a homeowner may qualify for a lower premium on title insurance in a refinance transaction. We conclude the trial court correctly interpreted the subject regulation, and accordingly affirm the entry of final summary judgment.
Pursuant to legislative delegation, the Florida Financial Services Commission has created a rate scheme for title insurance premiums. § 627.782, Fla. Stat. (2012); Fla. Admin. Code R. 690-186.003 (2002). Title insurers and agents are prohibited from knowingly quoting, charging, or collecting a premium that differs from the rate set by the Commission. § 627.780, Fla. Stat. (2007). The "original rate," applicable to premiums on title policies issued for original owners or leasehold titles, is higher than the "reissue rate."
The parties and the trial court agree, as do we, that the regulation is unambiguous.
The appellants argue this second provision is logically read to require the insurer to conduct a "reasonable search" for prior policies to protect eligible homeowners from being overcharged. However, there is no reasonable interpretation of this regulation that would mandate the insurer to conduct such a "reasonable search." To so hold would require this court to look behind the face of the regulation for a legislative intent. This exceeds the scope of power granted to a court interpreting an unambiguous statute. See Blanton v. City of Pinellas Park, 887 So.2d 1224, 1230 (Fla.2004). To impose such a duty would also require this court to rewrite the regulation. That is not the function of the judiciary. The appellants further contend our holding today renders the reissue rate illusory by permitting the insurer to be willfully blind when presented with a prior policy. Should this claim prove true, it is more properly addressed on an individual basis based on specifically pled allegations. Crafting a statute to curb the potential abuse prophesied by the appellants is, again, the province of the legislature and not the judiciary.
AFFIRMED.
Per Thousand Up to $100,000 of liability written $3.30 Over $100,000 and up to $1 million, add $3.00 Over $1 million and up to $10 million, add $2.00 Over $10 million, add $1.50
Black's Law Dictionary 1102 (5th ed. 1979).