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CS/HB 1047: Insurance

GENERAL BILL by Insurance & Banking Subcommittee ; Berfield

Insurance; Provides procedures & timelines for objecting, & responding to objections, to sufficiency of evidence submitted by claimants to insurers; revises requirements for licensing for general lines agents; specifies when adjusters must include their appointment types & names & license numbers if communicating with policyholders by text message; prohibits public adjusters from engaging in certain adversarial conduct; revises circumstances under which insurer or agent may cancel or nonrenew certain residential property insurance policies; revises required statement by property insurers providing preliminary or partial estimate of damage regarding claim; revises required statement by property insurers providing payment on claim which is not full & final payment for claim.

Effective Date: upon becoming a law
Last Action: 4/2/2025 House - Now in Commerce Committee
Bill Text: PDF

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  • Bill History

    Date Chamber Action
    2/25/2025 House • Filed
    3/2/2025 House • Referred to Insurance & Banking Subcommittee
    • Referred to Commerce Committee
    • Now in Insurance & Banking Subcommittee
    3/4/2025 House • 1st Reading (Original Filed Version)
    3/25/2025 House • PCS added to Insurance & Banking Subcommittee agenda
    3/27/2025 House • Favorable with CS by Insurance & Banking Subcommittee
    3/31/2025 House • Reported out of Insurance & Banking Subcommittee
    4/1/2025 House • Laid on Table under Rule 7.18(a)
    • CS Filed
    • 1st Reading (Committee Substitute 1)
    4/2/2025 House • Referred to Commerce Committee
    • Now in Commerce Committee

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  • CS/HB 1047, Committee Substitute 1 (Current Bill Version) Posted 4/1/2025 at 2:15 PM

    Bill Text:   PDF
    Analyses:   Insurance & Banking Subcommittee (Post-Meeting) 4/1/2025 (pdf)

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 841 Residential Property Insurance Policy Cancellations, Nonrenewals, and Rate Changes Botana, Cassel Compare Last Action: 3/4/2025 H 1st Reading (Original Filed Version)
    S 230 Insurance Truenow Compare Last Action: 3/4/2025 S Introduced
    S 790 Policy Cancellations and Nonrenewals by Property Insurers Bradley Compare Last Action: 3/4/2025 S Introduced

    Citations - Statutes (7)

    Citation Catchline Location in Bill Location In Bill Help
    624.155 Civil remedy. Page 2 (pdf)
    626.732 Requirement as to knowledge, experience, or instruction. Page 3 (pdf)
    626.878 Rules; code of ethics. Page 4 (pdf)
    627.4108 Claims-handling manuals; submission; attestation. Page 5 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 6 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 9 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 9 (pdf)

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  • HB 1047, Original Filed Version Posted 2/25/2025 at 12:36 PM

    Bill Text:   PDF
    Analyses:   None

    Related Bills (3)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 841 Residential Property Insurance Policy Cancellations, Nonrenewals, and Rate Changes Botana, Cassel Compare Last Action: 3/4/2025 H 1st Reading (Original Filed Version)
    S 230 Insurance Truenow Compare Last Action: 3/4/2025 S Introduced
    S 790 Policy Cancellations and Nonrenewals by Property Insurers Bradley Compare Last Action: 3/4/2025 S Introduced

    Citations - Statutes (6)

    Citation Catchline Location in Bill Location In Bill Help
    626.732 Requirement as to knowledge, experience, or instruction. Page 2 (pdf)
    626.878 Rules; code of ethics. Page 3 (pdf)
    627.4108 Claims-handling manuals; submission; attestation. Page 3 (pdf)
    627.4133 Notice of cancellation, nonrenewal, or renewal premium. Page 5 (pdf)
    627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 7 (pdf)
    627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 8 (pdf)

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