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CS/CS/CS/SB 418: Insurance

GENERAL BILL by Rules ; Military and Veterans Affairs, Space, and Domestic Security ; Banking and Insurance ; Perry

Insurance; Specifying a qualification for a local governmental entity’s representative on a self-insurer’s governing body; revising membership requirements for specified members of the Florida Commission on Hurricane Loss Projection Methodology; authorizing insurers to file with the Office of Insurance Regulation personal lines residential property insurance rating plans providing rate differentials based on certain windstorm mitigation construction standards; revising the timeframe for advance notices from insurers to insureds of automatic bank withdrawal increases, etc.

Effective Date: 7/1/2023
 Last Action: 6/16/2023 - Chapter No. 2023-217, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130)
Bill Text: Web Page | PDF
Senate Committee References:
  1. Banking and Insurance (BI)
  2. Military and Veterans Affairs, Space, and Domestic Security (MS)
  3. Rules (RC)

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  • Bill History

    Date Chamber Action
    1/26/2023 Senate • Filed
    2/9/2023 Senate • Referred to Banking and Insurance; Military and Veterans Affairs, Space, and Domestic Security; Rules
    2/13/2023 Senate • On Committee agenda-- Banking and Insurance, 02/21/23, 3:30 pm, 412 Knott Building
    2/21/2023 Senate • CS by Banking and Insurance; YEAS 12 NAYS 0
    2/23/2023 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    • Now in Military and Veterans Affairs, Space, and Domestic Security
    3/2/2023 Senate • On Committee agenda-- Military and Veterans Affairs, Space, and Domestic Security, 03/07/23, 2:00 pm, 301 Senate Building
    3/7/2023 Senate • Introduced
    • CS/CS by Military and Veterans Affairs, Space, and Domestic Security; YEAS 7 NAYS 0
    • CS by Banking and Insurance read 1st time -SJ 114
    3/8/2023 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    • Now in Rules
    • CS/CS by Military and Veterans Affairs, Space, and Domestic Security read 1st time -SJ 139
    4/6/2023 Senate • On Committee agenda-- Rules, 04/11/23, 8:30 am, 412 Knott Building
    4/11/2023 Senate • CS/CS/CS by- Rules; YEAS 19 NAYS 0
    4/12/2023 Senate • Pending reference review -under Rule 4.7(2) - (Committee Substitute)
    • CS/CS/CS by Rules read 1st time
    4/13/2023 Senate • Placed on Calendar, on 2nd reading
    • Placed on Special Order Calendar, 04/19/23
    4/19/2023 Senate • Read 2nd time -SJ 436
    • Amendment(s) adopted (174606) -SJ 437
    • Read 3rd time -SJ 437
    • CS passed as amended; YEAS 39 NAYS 0 -SJ 437
    • Immediately certified -SJ 438
    4/19/2023 House • In Messages
    4/28/2023 House • Bill referred to House Calendar
    • Bill added to Special Order Calendar (5/1/2023)
    • 1st Reading (Engrossed 1)
    5/1/2023 House • Read 2nd time
    • Amendment 394669 adopted
    • Placed on 3rd reading
    • Added to Third Reading Calendar
    5/2/2023 House • Read 3rd time
    • CS passed as amended; YEAS 119, NAYS 0
    5/2/2023 Senate • In returning messages
    5/3/2023 Senate • Refused to concur in 1 amendment(s) (394669) -SJ 784
    • Requested House to recede -SJ 784
    5/3/2023 House • In Messages
    5/4/2023 House • Added to Senate Message List
    • Amendment 394669 Recede
    • CS passed; YEAS 110, NAYS 0
    5/4/2023 Senate • Ordered enrolled
    6/5/2023 • Signed by Officers and presented to Governor
    6/12/2023 • Approved by Governor
    6/16/2023 • Chapter No. 2023-217, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130)

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  • CS/CS/CS/SB 418, Enrolled (Current Bill Version) Posted 5/4/2023 at 8:24 PM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 505 (c2) Insurance Insurance & Banking Subcommittee Similar Last Action: 5/1/2023 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill
    H 1185 (er) Consumer Protection Insurance & Banking Subcommittee Compare Last Action: 5/25/2023 Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill
    S 1398 (c2) Consumer Protection DiCeglie Compare Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill

    Citations - Statutes (11)

    Citation Catchline Location in Bill Location In Bill Help
    327.54 Liveries; safety regulations; penalty. Page 2 (pdf)
    624.4621 Group self-insurance funds. Page 4 (pdf)
    627.062 Rate standards. Page 4 (pdf)
    627.0628 Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption. Page 5 (pdf)
    627.0629 Residential property insurance; rate filings. Page 6 (pdf)
    627.0665 Automatic bank withdrawal agreements; notification required. Page 7 (pdf)
    627.421 Delivery of policy. Page 7 (pdf)
    627.701 Liability of insureds; coinsurance; deductibles. Page 8 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 10 (pdf)
    627.7276 Notice of limited coverage. Page 11 (pdf)
    634.041 Qualifications for license. Page 12 (pdf)

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  • CS/CS/CS/SB 418, Engrossed 1 Posted 4/19/2023 at 5:58 PM

    Bill Text:   Web Page | PDF
    Analyses:   House Message Summary (pdf)

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 505 (c2) Insurance Insurance & Banking Subcommittee Similar Last Action: 5/1/2023 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill
    H 1185 (er) Consumer Protection Insurance & Banking Subcommittee Compare Last Action: 5/25/2023 Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill
    S 1398 (c2) Consumer Protection DiCeglie Compare Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill

    Floor Amendments (1)

    Amendment Sponsor Filed Last Floor Action Format
    394669 - Amendment
    Between lines 317 and 318, insert:     		Berfield 5/1/2023
    7:56 AM     		House: Recede
    5/4/2023     		PDF

    Floor Votes (2)

    Date Chamber Result
    5/2/2023 12:08 PM House 119 Yeas - 0 Nays
    5/4/2023 10:19 AM House 110 Yeas - 0 Nays

    Citations - Statutes (11)

    Citation Catchline Location in Bill Location In Bill Help
    327.54 Liveries; safety regulations; penalty. Page 2 (pdf)
    624.4621 Group self-insurance funds. Page 4 (pdf)
    627.062 Rate standards. Page 4 (pdf)
    627.0628 Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption. Page 5 (pdf)
    627.0629 Residential property insurance; rate filings. Page 6 (pdf)
    627.0665 Automatic bank withdrawal agreements; notification required. Page 7 (pdf)
    627.421 Delivery of policy. Page 4 (pdf)
    627.701 Liability of insureds; coinsurance; deductibles. Page 8 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 10 (pdf)
    627.7276 Notice of limited coverage. Page 11 (pdf)
    634.041 Qualifications for license. Page 12 (pdf)

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  • CS/CS/CS/SB 418, Committee Substitute 3 Posted 4/12/2023 at 9:26 AM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 505 (c1) Insurance Insurance & Banking Subcommittee Similar Last Action: 5/1/2023 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill
    H 1185 (c1) Consumer Protection Insurance & Banking Subcommittee Compare Last Action: 5/25/2023 Chapter No. 2023-130; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill
    S 1398 (c1) Consumer Protection DiCeglie Compare Last Action: 5/1/2023 S Laid on Table, companion bill(s) passed, see CS/CS/HB 1185 (Ch. 2023-130), CS/CS/CS/SB 418 (Ch. 2023-217) -SJ 661 Track This Bill

    Floor Amendments (2)

    Amendment Sponsor Filed Last Floor Action Format
    881130 - Amendment
    Before line 44 insert:     		Garcia 4/19/2023
    9:12 AM     		Senate: Replaced by Substitute Amendment
    4/19/2023     		Web Page
    PDF
    hierarchy 174606 - Substitute Amendment (881130)
    Before line 44 insert:     		Garcia 4/19/2023
    3:35 PM     		Senate: Adopted
    4/19/2023     		Web Page
    PDF

    Floor Votes (1)

    Date Chamber Result
    4/19/2023 5:43 PM Senate 39 Yeas - 0 Nays

    Citations - Statutes (10)

    Citation Catchline Location in Bill Location In Bill Help
    624.4621 Group self-insurance funds. Page 2 (pdf)
    627.062 Rate standards. Page 2 (pdf)
    627.0628 Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption. Page 3 (pdf)
    627.0629 Residential property insurance; rate filings. Page 4 (pdf)
    627.0665 Automatic bank withdrawal agreements; notification required. Page 5 (pdf)
    627.421 Delivery of policy. Page 5 (pdf)
    627.701 Liability of insureds; coinsurance; deductibles. Page 7 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 8 (pdf)
    627.7276 Notice of limited coverage. Page 9 (pdf)
    634.041 Qualifications for license. Page 10 (pdf)

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  • CS/CS/SB 418, Committee Substitute 2 Posted 3/8/2023 at 10:19 AM

    Bill Text:   Web Page | PDF
    Analyses:   Rules (Pre-Meeting) 4/10/2023 (pdf)
    Rules (Post-Meeting) 4/11/2023 (pdf)

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 505 (c1) Insurance Insurance & Banking Subcommittee Similar Last Action: 5/1/2023 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    898992 - Amendment (Delete All)
    Delete everything after the enacting clause and insert:     		Rules
    (Perry)     		4/7/2023
    6:06 PM     		Replaced by Committee Substitute
    4/11/2023     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    4/11/2023 8:30 AM Rules 19 Yeas - 0 Nays

    Citations - Statutes (8)

    Citation Catchline Location in Bill Location In Bill Help
    627.062 Rate standards. Page 2 (pdf)
    627.0628 Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption. Page 2 (pdf)
    627.0629 Residential property insurance; rate filings. Page 4 (pdf)
    627.0665 Automatic bank withdrawal agreements; notification required. Page 4 (pdf)
    627.421 Delivery of policy. Page 5 (pdf)
    627.701 Liability of insureds; coinsurance; deductibles. Page 6 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 7 (pdf)
    627.7276 Notice of limited coverage. Page 9 (pdf)

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  • CS/SB 418, Committee Substitute 1 Posted 2/23/2023 at 10:56 AM

    Bill Text:   Web Page | PDF
    Analyses:   Military and Veterans Affairs, Space, and Domestic Security (Pre-Meeting) 3/6/2023 (pdf)
    Military and Veterans Affairs, Space, and Domestic Security (Post-Meeting) 3/8/2023 (pdf)

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 505 Insurance Insurance & Banking Subcommittee Compare Last Action: 5/1/2023 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill

    Committee Amendments (4)

    Amendment Sponsor Filed Last Committee Action Format
    968960 - Amendment
    Delete line 71 and insert:     		Military and Veterans Affairs, Space, and Domestic Security
    (Perry)     		3/4/2023
    6:56 PM     		Replaced by Committee Substitute
    3/7/2023     		Web Page
    PDF
    880364 - Amendment
    Delete line 74 and insert:     		Military and Veterans Affairs, Space, and Domestic Security
    (Perry)     		3/3/2023
    1:57 PM     		Withdrawn
    3/3/2023     		Web Page
    PDF
    827648 - Amendment
    Delete lines 161 - 188 and insert:     		Military and Veterans Affairs, Space, and Domestic Security
    (Perry)     		3/6/2023
    2:21 PM     		Replaced by Committee Substitute
    3/7/2023     		Web Page
    PDF
    hierarchy 147662 - Amendment to Amendment (827648)
    Delete line 34 and insert:     		Military and Veterans Affairs, Space, and Domestic Security
    (Perry)     		3/6/2023
    6:08 PM     		Replaced by Committee Substitute
    3/7/2023     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    3/7/2023 2:00 PM Military and Veterans Affairs, Space, and Domestic Security 7 Yeas - 0 Nays

    Citations - Statutes (8)

    Citation Catchline Location in Bill Location In Bill Help
    627.062 Rate standards. Page 2 (pdf)
    627.0628 Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption. Page 2 (pdf)
    627.0629 Residential property insurance; rate filings. Page 4 (pdf)
    627.0665 Automatic bank withdrawal agreements; notification required. Page 8 (pdf)
    627.421 Delivery of policy. Page 5 (pdf)
    627.701 Liability of insureds; coinsurance; deductibles. Page 6 (pdf)
    627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents. Page 7 (pdf)
    627.7276 Notice of limited coverage. Page 4 (pdf)

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  • SB 418, Original Filed Version Posted 1/26/2023 at 11:58 AM

    Bill Text:   Web Page | PDF
    Analyses:   Banking and Insurance (Pre-Meeting) 2/20/2023 (pdf)
    Banking and Insurance (Post-Meeting) 2/23/2023 (pdf)

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 505 Insurance Insurance & Banking Subcommittee Identical Last Action: 5/1/2023 H Laid on Table; companion bill(s) passed, see CS/CS/CS/SB 418 (Ch. 2023-217) Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    570080 - Amendment
    Delete lines 41 - 54 and insert:     		Banking and Insurance
    (Perry)     		2/20/2023
    3:21 PM     		Replaced by Committee Substitute
    2/22/2023     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    2/21/2023 3:30 PM Banking and Insurance 12 Yeas - 0 Nays

    Citations - Statutes (5)

    Citation Catchline Location in Bill Location In Bill Help
    627.062 Rate standards. Page 1 (pdf)
    627.0628 Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption. Page 2 (pdf)
    627.0629 Residential property insurance; rate filings. Page 3 (pdf)
    627.0665 Automatic bank withdrawal agreements; notification required. Page 4 (pdf)
    627.7276 Notice of limited coverage. Page 4 (pdf)

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