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SB 2-A: Property Insurance

GENERAL BILL by Boyd

Property Insurance; Creating the Florida Optional Reinsurance Assistance program (FORA), to be administered by the State Board of Administration; authorizing eligible insurers to purchase reinsurance coverage under FORA; providing that property insurers may be subject to an additional market conduct examination by the Office of Insurance Regulation after a hurricane under certain circumstances; specifying conditions that must be met for a property insurance policy to require mandatory binding arbitration; prohibiting policyholders from assigning post-loss insurance benefits under residential or commercial property insurance policies issued on or after a specified date, etc. APPROPRIATION: $1,757,982

Effective Date: Except as otherwise expressly provided
 Last Action: 12/16/2022 - Chapter No. 2022-271
Bill Text: Web Page | PDF
Senate Committee References:
  1. Banking and Insurance (BI)
  2. Fiscal Policy (FP)

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  • Bill History

    Date Chamber Action
    12/9/2022 Senate • Filed
    • Referred to Banking and Insurance; Fiscal Policy -SJ 3
    • On Committee agenda-- Banking and Insurance, 12/12/22, 12:00 pm, 412 Knott Building
    12/12/2022 Senate • Favorable by Banking and Insurance; YEAS 9 NAYS 3 -SJ 3
    • Now in Fiscal Policy
    • On Committee agenda-- Fiscal Policy, 12/12/22, 3:00 pm, 412 Knott Building
    • Favorable by- Fiscal Policy; YEAS 15 NAYS 5 -SJ 3
    • Placed on Calendar, on 2nd reading
    • Placed on Special Order Calendar, 12/13/22 -SJ 96
    • Introduced -SJ 2
    12/13/2022 Senate • Read 2nd time -SJ 49
    • Amendment(s) failed (938406, 213342, 733204, 279842, 123478, 353138, 856854, 777772, 619600, 862706, 551146, 847224, 786778, 172138, 652232, 130902, 658884, 757448, 533310) -SJ 51
    • Read 3rd time -SJ 96
    • Passed; YEAS 27 NAYS 13 -SJ 96
    12/13/2022 House • In Messages
    • Bill referred to House Calendar
    • Bill added to Special Order Calendar (12/14/2022)
    • 1st Reading (Original Filed Version)
    12/14/2022 House • Read 2nd time
    • Amendment 798733 Failed
    • Amendment 333927 Failed
    • Amendment 951137 Failed
    • Amendment 050303 Failed
    • Amendment 898933 Failed
    • Amendment 674763 Failed
    • Read 3rd time
    • Passed; YEAS 84, NAYS 33
    12/14/2022 Senate • Ordered enrolled -SJ 97
    12/14/2022 • Signed by Officers and presented to Governor -SJ 97
    12/16/2022 • Approved by Governor
    • Chapter No. 2022-271

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  • SB 2-A, Enrolled (Current Bill Version) Posted 12/14/2022 at 2:48 PM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1A Property Insurance Leek, Rommel Identical Last Action: 12/14/2022 H Laid on Table; companion bill(s) passed, see SB 2-A (Ch. 2022-271) Track This Bill

    Citations - Statutes (23)

    Citation Catchline Location in Bill Location In Bill Help
    215.5552 Page 6 (pdf)
    624.1551 Page 15 (pdf)
    624.3161 Market conduct examinations. Page 16 (pdf)
    624.418 Suspension, revocation of certificate of authority for violations and special grounds. Page 17 (pdf)
    624.424 Annual statement and other information. Page 18 (pdf)
    626.9373 Attorney fees. Page 19 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 19 (pdf)
    627.351 Insurance risk apportionment plans. Page 22 (pdf), Page 78 (pdf)
    627.3511 Depopulation of Citizens Property Insurance Corporation. Page 79 (pdf)
    627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 81 (pdf)
    627.410 Filing, approval of forms. Page 83 (pdf)
    627.428 Attorney fees. Page 83 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 84 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 85 (pdf)
    627.70132 Notice of property insurance claim. Page 90 (pdf)
    627.70152 Suits arising under a property insurance policy. Page 90 (pdf)
    627.70154 Page 93 (pdf)
    627.7074 Alternative procedure for resolution of disputed sinkhole insurance claims. Page 94 (pdf)
    627.7142 Homeowner Claims Bill of Rights. Page 95 (pdf)
    627.7152 Assignment agreements. Page 99 (pdf)
    627.7154 Page 102 (pdf)
    631.252 Continuation of coverage. Page 104 (pdf)
    768.79 Offer of judgment and demand for judgment. Page 105 (pdf)

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  • SB 2-A, Original Filed Version Posted 12/9/2022 at 5:49 PM

    Bill Text:   Web Page | PDF
    Analyses:   Banking and Insurance (Pre-Meeting) 12/9/2022 (pdf)
    Banking and Insurance (Post-Meeting) 12/12/2022 (pdf)
    Fiscal Policy (Pre-Meeting) 12/12/2022 (pdf)
    Fiscal Policy (Post-Meeting) 12/12/2022 (pdf)

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1A Property Insurance Leek, Rommel Identical Last Action: 12/14/2022 H Laid on Table; companion bill(s) passed, see SB 2-A (Ch. 2022-271) Track This Bill

    Committee Amendments (8)

    Amendment Sponsor Filed Last Committee Action Format
    489604 - Amendment
    Delete line 447 and insert:     		Banking and Insurance
    (Thompson)     		12/12/2022
    11:05 AM     		Unfavorable
    12/12/2022     		Web Page
    PDF
    368558 - Amendment
    Delete lines 2400 - 2682 and insert:     		Banking and Insurance
    (Thompson)     		12/12/2022
    11:04 AM     		Unfavorable
    12/12/2022     		Web Page
    PDF
    574674 - Amendment
    Delete lines 2418 - 2421 and insert:     		Banking and Insurance
    (Powell)     		12/12/2022
    10:01 AM     		Unfavorable
    12/12/2022     		Web Page
    PDF
    320720 - Amendment
    Between lines 2593 and 2594 insert:     		Banking and Insurance
    (Torres)     		12/12/2022
    9:23 AM     		Unfavorable
    12/12/2022     		Web Page
    PDF
    676338 - Amendment
    Between lines 2593 and 2594 insert:     		Banking and Insurance
    (Powell)     		12/12/2022
    10:00 AM     		Unfavorable
    12/12/2022     		Web Page
    PDF
    532468 - Amendment
    Delete lines 2748 - 2863 and insert:     		Fiscal Policy
    (Berman)     		12/12/2022
    2:22 PM     		Unfavorable
    12/12/2022     		Web Page
    PDF
    785452 - Amendment
    Between lines 3016 and 3017 insert:     		Fiscal Policy
    (Osgood)     		12/12/2022
    2:22 PM     		Unfavorable
    12/12/2022     		Web Page
    PDF
    242906 - Amendment
    Between lines 3024 and 3025 insert:     		Fiscal Policy
    (Osgood)     		12/12/2022
    2:23 PM     		Unfavorable
    12/12/2022     		Web Page
    PDF

    Floor Amendments (30)

    Amendment Sponsor Filed Last Floor Action Format
    213342 - Amendment
    Delete line 447 and insert:     		Thompson 12/13/2022
    10:41 AM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    533310 - Amendment
    Delete line 452 and insert:     		Pizzo 12/12/2022
    8:14 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    757448 - Amendment
    Delete lines 452 - 526 and insert:     		Pizzo 12/12/2022
    8:18 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    658884 - Amendment
    Delete lines 527 - 548.     		Pizzo 12/12/2022
    8:16 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    130902 - Amendment
    Delete lines 540 - 2412 and insert:     		Pizzo 12/12/2022
    7:40 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    652232 - Amendment
    Delete lines 592 - 601 and insert:     		Rouson 12/12/2022
    8:13 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    172138 - Amendment
    Between lines 601 and 602 insert:     		Rouson 12/12/2022
    8:12 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    786778 - Amendment
    Delete lines 604 - 2813 and insert:     		Torres 12/12/2022
    6:56 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    847224 - Amendment
    Delete lines 613 - 2578 and insert:     		Polsky 12/12/2022
    8:23 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    938406 - Amendment
    Delete lines 2400 - 2682 and insert:     		Thompson 12/13/2022
    10:41 AM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    551146 - Amendment
    Delete lines 2418 - 2421 and insert:     		Powell 12/12/2022
    7:35 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    862706 - Amendment
    Between lines 2593 and 2594 insert:     		Powell 12/12/2022
    7:36 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    645452 - Amendment
    Between lines 2593 and 2594 insert:     		Torres 12/12/2022
    7:51 PM     		Senate: Withdrawn
    12/13/2022     		Web Page
    PDF
    619600 - Amendment
    Between lines 2607 and 2608 insert:     		Polsky 12/12/2022
    6:30 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    918414 - Amendment
    Delete line 2607 and insert:     		Book 12/12/2022
    8:19 PM     		Senate: Withdrawn
    12/13/2022     		Web Page
    PDF
    777772 - Amendment
    Between lines 2637 and 2638 insert:     		Pizzo 12/12/2022
    8:17 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    856854 - Amendment
    Delete lines 2641 - 2642 and insert:     		Pizzo 12/12/2022
    8:12 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    353138 - Amendment
    Between lines 2682 and 2683 insert:     		Pizzo 12/12/2022
    8:15 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    123478 - Amendment
    Delete lines 3022 - 3024 and insert:     		Rouson 12/12/2022
    8:14 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    279842 - Amendment
    Between lines 3039 and 3040 insert:     		Pizzo 12/12/2022
    8:10 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    733204 - Amendment
    Between lines 3039 and 3040 insert:     		Book 12/12/2022
    8:11 PM     		Senate: Failed
    12/13/2022     		Web Page
    PDF
    798733 - Amendment
    Remove lines 163-393 and insert:     		Cassel 12/14/2022
    7:20 AM     		House: Failed
    12/14/2022     		PDF
    333927 - Amendment
    Remove lines 448-601 and insert:     		Joseph 12/14/2022
    7:07 AM     		House: Failed
    12/14/2022     		PDF
    951137 - Amendment
    Remove lines 1367-2224 and insert:     		Edmonds 12/13/2022
    9:59 PM     		House: Failed
    12/14/2022     		PDF
    050303 - Amendment
    Remove lines 2422-2437 and insert:     		Joseph 12/13/2022
    10:57 PM     		House: Failed
    12/14/2022     		PDF
    898933 - Amendment
    Between lines 3039 and 3040, insert:     		Eskamani 12/13/2022
    6:50 PM     		House: Failed
    12/14/2022     		PDF
    457149 - Amendment
    Between lines 3039 and 3040, insert:     		Hart 12/13/2022
    7:21 PM     		House: Withdrawn
    12/14/2022     		PDF
    391107 - Amendment
    Between lines 3039 and 3040, insert:     		Hart 12/13/2022
    7:21 PM     		House: Withdrawn
    12/14/2022     		PDF
    720313 - Amendment
    Between lines 3039 and 3040, insert:     		Nixon 12/13/2022
    8:43 PM     		House: Withdrawn
    12/14/2022     		PDF
    674763 - Amendment
    Between lines 3039 and 3040, insert:     		Driskell 12/14/2022
    6:20 AM     		House: Failed
    12/14/2022     		PDF

    Committee Votes (2)

    Date Committee Result
    12/12/2022 12:00 PM Banking and Insurance 9 Yeas - 3 Nays
    12/12/2022 3:00 PM Fiscal Policy 15 Yeas - 5 Nays

    Floor Votes (7)

    Date Chamber Result
    12/13/2022 2:42 PM Senate - Amendment 658884 12 Yeas - 26 Nays
    12/13/2022 3:34 PM Senate - Amendment 938406 11 Yeas - 29 Nays
    12/13/2022 4:53 PM Senate 27 Yeas - 13 Nays
    12/14/2022 11:53 AM House - Amendment 951137 33 Yeas - 82 Nays
    12/14/2022 11:58 AM House - Amendment 050303 32 Yeas - 84 Nays
    12/14/2022 12:03 PM House - Amendment 674763 32 Yeas - 84 Nays
    12/14/2022 1:29 PM House 84 Yeas - 33 Nays

    Citations - Statutes (23)

    Citation Catchline Location in Bill Location In Bill Help
    215.5552 Page 6 (pdf)
    624.1551 Page 15 (pdf)
    624.3161 Market conduct examinations. Page 16 (pdf)
    624.418 Suspension, revocation of certificate of authority for violations and special grounds. Page 17 (pdf)
    624.424 Annual statement and other information. Page 18 (pdf)
    626.9373 Attorney fees. Page 19 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 19 (pdf)
    627.351 Insurance risk apportionment plans. Page 22 (pdf), Page 78 (pdf)
    627.3511 Depopulation of Citizens Property Insurance Corporation. Page 79 (pdf)
    627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 81 (pdf)
    627.410 Filing, approval of forms. Page 83 (pdf)
    627.428 Attorney fees. Page 83 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 84 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 85 (pdf)
    627.70132 Notice of property insurance claim. Page 90 (pdf)
    627.70152 Suits arising under a property insurance policy. Page 90 (pdf)
    627.70154 Page 93 (pdf)
    627.7074 Alternative procedure for resolution of disputed sinkhole insurance claims. Page 94 (pdf)
    627.7142 Homeowner Claims Bill of Rights. Page 95 (pdf)
    627.7152 Assignment agreements. Page 99 (pdf)
    627.7154 Page 102 (pdf)
    631.252 Continuation of coverage. Page 104 (pdf)
    768.79 Offer of judgment and demand for judgment. Page 105 (pdf)

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