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CS/CS/SB 1728: Property Insurance

GENERAL BILL by Appropriations ; Banking and Insurance ; Boyd ; (CO-INTRODUCERS) Perry

Property Insurance; Deleting obsolete provisions related to eligibility thresholds for personal lines residential coverage with the Citizens Property Insurance Corporation; providing for a required limited annual rate increase for specified polices; providing that eligible surplus lines insurers may participate, in the same manner and on the same terms as an authorized insurer, in depopulation, take-out, or keep-out programs relating to policies removed from Citizens Property Insurance Corporation; revising a prohibition against the issuance of insurance policies containing certain deductible provisions; authorizing insurers to limit roof claim payments to the actual cash value under certain circumstances, etc.

Effective Date: 7/1/2022
 Last Action: 3/14/2022 House - Died on Second Reading Calendar
Bill Text: Web Page | PDF
Senate Committee References:
  1. Banking and Insurance (BI)
  2. Appropriations Subcommittee on Agriculture, Environment, and General Government (AEG)
  3. Appropriations (AP)

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  • Bill History

    Date Chamber Action
    1/7/2022 Senate • Filed
    1/12/2022 Senate • Referred to Banking and Insurance; Appropriations Subcommittee on Agriculture, Environment, and General Government; Appropriations -SJ 148
    1/18/2022 Senate • Introduced -SJ 148
    1/28/2022 Senate • On Committee agenda-- Banking and Insurance, 02/02/22, 8:30 am, 412 Knott Building
    2/2/2022 Senate • CS by Banking and Insurance; YEAS 9 NAYS 2 -SJ 337
    2/3/2022 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    • Now in Appropriations Subcommittee on Agriculture, Environment, and General Government
    • CS by Banking and Insurance read 1st time -SJ 341
    2/11/2022 Senate • On Committee agenda-- Appropriations Subcommittee on Agriculture, Environment, and General Government, 02/16/22, 1:00 pm, 110 Senate Building
    2/16/2022 Senate • Subcommittee Recommendation: CS/CS by Appropriations Subcommittee on Agriculture, Environment, and General Government; YEAS 9 NAYS 1 -SJ 433
    2/18/2022 Senate • Now in Appropriations
    2/23/2022 Senate • On Committee agenda-- Appropriations, 02/28/22, 10:30 am, 412 Knott Building
    2/28/2022 Senate • CS/CS by- Appropriations; YEAS 17 NAYS 2 -SJ 521
    3/2/2022 Senate • Pending reference review -under Rule 4.7(2) - (Committee Substitute)
    • Placed on Calendar, on 2nd reading
    • Placed on Special Order Calendar, 03/03/22 -SJ 591
    • CS/CS by Appropriations read 1st time -SJ 528
    3/3/2022 Senate • Read 2nd time -SJ 586
    • Amendment(s) failed (186652, 385312) -SJ 586
    • Amendment(s) adopted (327802) -SJ 586
    • Read 3rd time -SJ 586
    • CS passed as amended; YEAS 28 NAYS 11 -SJ 586, 587
    3/3/2022 House • In Messages
    3/7/2022 House • Bill referred to House Calendar
    • Bill added to Special Order Calendar (3/8/2022)
    • 1st Reading (Engrossed 1)
    3/8/2022 House • Temporarily postponed, on 2nd Reading
    • Added to Second Reading Calendar
    3/12/2022 House • Indefinitely postponed and withdrawn from consideration
    3/14/2022 House • Died on Second Reading Calendar

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  • CS/CS/SB 1728, Engrossed 1 (Current Bill Version) Posted 3/3/2022 at 8:30 PM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1307 (c2) Citizens Property Insurance Corporation Insurance and Banking Subcommittee Compare Last Action: 3/14/2022 H Died on Second Reading Calendar Track This Bill
    S 186 (c1) Citizens Property Insurance Corporation Brandes Compare Last Action: 3/14/2022 S Died in Appropriations Track This Bill

    Floor Amendments (3)

    Amendment Sponsor Filed Last Floor Action Format
    507239 - Amendment
    Between lines 69 and 70, insert:     		Joseph 3/7/2022
    9:20 PM     		PDF
    153687 - Amendment
    Between lines 69 and 70, insert:     		Joseph 3/8/2022
    8:14 AM     		PDF
    368459 - Amendment
    Remove lines 1147-1151 and insert:     		Jenne 3/7/2022
    3:46 PM     		PDF

    Citations - Statutes (10)

    Citation Catchline Location in Bill Location In Bill Help
    489.147 Prohibited property insurance practices. Page 3 (pdf)
    624.424 Annual statement and other information. Page 69 (pdf)
    627.021 Scope of this part. Page 4 (pdf)
    627.351 Insurance risk apportionment plans. Page 4 (pdf)
    627.3517 Consumer choice. Page 70 (pdf)
    627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 56 (pdf)
    627.701 Liability of insureds; coinsurance; deductibles. Page 64 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 68 (pdf)
    627.70152 Suits arising under a property insurance policy. Page 69 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 71 (pdf)

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  • CS/CS/SB 1728, Committee Substitute 2 Posted 3/2/2022 at 10:07 AM

    Bill Text:   Web Page | PDF
    Analyses:   Appropriations (Post-Meeting) 3/3/2022 (pdf)

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1307 (c2) Citizens Property Insurance Corporation Insurance and Banking Subcommittee Compare Last Action: 3/14/2022 H Died on Second Reading Calendar Track This Bill
    S 186 (c1) Citizens Property Insurance Corporation Brandes Compare Last Action: 3/14/2022 S Died in Appropriations Track This Bill

    Floor Amendments (3)

    Amendment Sponsor Filed Last Floor Action Format
    385312 - Amendment
    Delete lines 1953 - 1974.     		Bracy 3/2/2022
    1:35 PM     		Senate: Failed
    3/3/2022     		Web Page
    PDF
    186652 - Amendment
    Delete lines 1975 - 1986.     		Rouson 3/2/2022
    1:20 PM     		Senate: Failed
    3/3/2022     		Web Page
    PDF
    327802 - Amendment
    Delete lines 1985 - 1986 and insert:     		Boyd 3/2/2022
    1:26 PM     		Senate: Adopted
    3/3/2022     		Web Page
    PDF

    Floor Votes (1)

    Date Chamber Result
    3/3/2022 7:11 PM Senate 28 Yeas - 11 Nays

    Citations - Statutes (10)

    Citation Catchline Location in Bill Location In Bill Help
    489.147 Prohibited property insurance practices. Page 3 (pdf)
    624.424 Annual statement and other information. Page 69 (pdf)
    627.021 Scope of this part. Page 4 (pdf)
    627.351 Insurance risk apportionment plans. Page 4 (pdf)
    627.3517 Consumer choice. Page 70 (pdf)
    627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 56 (pdf)
    627.701 Liability of insureds; coinsurance; deductibles. Page 64 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 68 (pdf)
    627.70152 Suits arising under a property insurance policy. Page 69 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 71 (pdf)

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  • CS/SB 1728, Committee Substitute 1 Posted 2/3/2022 at 8:52 AM

    Bill Text:   Web Page | PDF
    Analyses:   Appropriations Subcommittee on Agriculture, Environment, and General Government (Pre-Meeting) 2/15/2022 (pdf)
    Appropriations Subcommittee on Agriculture, Environment, and General Government (Post-Meeting) 2/18/2022 (pdf)
    Appropriations (Pre-Meeting) 2/25/2022 (pdf)
    Appropriations PCS 646840 (Pre-Meeting) 2/25/2022 (pdf)

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1307 (c2) Citizens Property Insurance Corporation Insurance and Banking Subcommittee Compare Last Action: 3/14/2022 H Died on Second Reading Calendar Track This Bill
    S 186 (c1) Citizens Property Insurance Corporation Brandes Compare Last Action: 3/14/2022 S Died in Appropriations Track This Bill

    Proposed Committee Substitutes (1)

    PCS and Amendments Sponsor Filed Last Committee Action Format
    646840 - Proposed Committee Substitute Appropriations 2/18/2022
    9:36 AM     		Clear Action
    3/2/2022    		 Web Page
    PDF
    hierarchy 892324 - Amendment (Delete All) (646840)
    Delete everything after the enacting clause and insert:     		Appropriations
    (Boyd)     		2/25/2022
    11:53 AM     		Replaced by Committee Substitute
    3/2/2022     		Web Page
    PDF
    hierarchy 336290 - Amendment to Amendment (892324)
    Delete lines 1888 - 1909.     		Appropriations
    (Rouson)     		2/28/2022
    9:37 AM
    (Late Filed)     		Unfavorable
    3/2/2022     		Web Page
    PDF
    hierarchy 700006 - Amendment to Amendment (892324)
    Delete lines 1910 - 1921.     		Appropriations
    (Rouson)     		2/27/2022
    10:06 PM     		Unfavorable
    3/2/2022     		Web Page
    PDF

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    741042 - Amendment
    Delete lines 381 - 409 and insert:     		Appropriations Subcommittee on Agriculture, Environment, and General Government
    (Boyd)     		2/15/2022
    6:44 PM
    (Late Filed)     		Replaced by Committee Substitute
    2/16/2022     		Web Page
    PDF

    Committee Votes (2)

    Date Committee Result
    2/16/2022 1:00 PM Appropriations Subcommittee on Agriculture, Environment, and General Government 9 Yeas - 1 Nays
    2/28/2022 10:30 AM Appropriations 17 Yeas - 2 Nays

    Citations - Statutes (7)

    Citation Catchline Location in Bill Location In Bill Help
    489.147 Prohibited property insurance practices. Page 2 (pdf)
    624.424 Annual statement and other information. Page 41 (pdf)
    627.351 Insurance risk apportionment plans. Page 3 (pdf)
    627.3517 Consumer choice. Page 42 (pdf)
    627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 30 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 39 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 43 (pdf)

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  • SB 1728, Original Filed Version Posted 1/7/2022 at 12:07 PM

    Bill Text:   Web Page | PDF
    Analyses:   Banking and Insurance (Pre-Meeting) 2/1/2022 (pdf)
    Banking and Insurance (Post-Meeting) 2/3/2022 (pdf)

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1307 Citizens Property Insurance Corporation Insurance and Banking Subcommittee Compare Last Action: 3/14/2022 H Died on Second Reading Calendar Track This Bill
    S 186 (c1) Citizens Property Insurance Corporation Brandes Compare Last Action: 3/14/2022 S Died in Appropriations Track This Bill

    Committee Amendments (2)

    Amendment Sponsor Filed Last Committee Action Format
    486560 - Amendment
    Delete lines 483 - 549 and insert:     		Banking and Insurance
    (Boyd)     		2/1/2022
    8:26 AM     		Replaced by Committee Substitute
    2/3/2022     		Web Page
    PDF
    214450 - Amendment
    Delete lines 846 - 1227.     		Banking and Insurance
    (Boyd)     		1/31/2022
    5:48 PM     		Replaced by Committee Substitute
    2/3/2022     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    2/2/2022 8:30 AM Banking and Insurance 9 Yeas - 2 Nays

    Citations - Statutes (7)

    Citation Catchline Location in Bill Location In Bill Help
    489.147 Prohibited property insurance practices. Page 3 (pdf)
    624.424 Annual statement and other information. Page 55 (pdf)
    627.351 Insurance risk apportionment plans. Page 4 (pdf)
    627.3517 Consumer choice. Page 56 (pdf)
    627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 44 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 52 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 57 (pdf)

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