CS/CS/SB 1028: Citizens Property Insurance Corporation
GENERAL BILL by Fiscal Policy ; Banking and Insurance ; Gruters
Citizens Property Insurance Corporation; Prohibiting the corporation from issuing new coverage for commercial residential and commercial nonresidential risks under certain circumstances; requiring the corporation to establish a personal lines clearinghouse for specified purposes; revising the rights and responsibilities the corporation has in establishing the program; requiring that certain risk information be aggregated and deidentified; authorizing applicants or insureds to elect to accept coverage with authorized insurers or elect to accept or continue coverage with the corporation under certain circumstances, etc.
Effective Date: Upon becoming a law
Last Action: 3/9/2026 House - CS passed; YEAS 88, NAYS 19
Bill Text: Web Page | PDF
Last Action: 3/9/2026 House - CS passed; YEAS 88, NAYS 19
Bill Text: Web Page | PDF
Senate Committee References:
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Bill History
Date Chamber Action 12/30/2025 Senate • Filed
1/7/2026 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
1/8/2026 Senate • On Committee agenda-- Banking and Insurance, 01/13/26, 4:00 pm, 412 Knott Building
1/13/2026 Senate • CS by Banking and Insurance; YEAS 10 NAYS 0
• Introduced
1/15/2026 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
1/16/2026 Senate • Now in Appropriations Committee on Agriculture, Environment, and General Government
1/22/2026 Senate • CS by Banking and Insurance read 1st time
1/30/2026 Senate • On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/04/26, 3:45 pm, 412 Knott Building
2/4/2026 Senate • Favorable by Appropriations Committee on Agriculture, Environment, and General Government; YEAS 11 NAYS 0
2/5/2026 Senate • Now in Fiscal Policy
2/9/2026 Senate • On Committee agenda-- Fiscal Policy, 02/12/26, 9:00 am, 110 Senate Building
2/12/2026 Senate • CS/CS by- Fiscal Policy; YEAS 18 NAYS 0
2/16/2026 Senate • Pending reference review -under Rule 4.7(2) - (Committee Substitute)
• Placed on Calendar, on 2nd reading
2/18/2026 Senate • CS/CS by Fiscal Policy read 1st time
2/23/2026 Senate • Placed on Special Order Calendar, 02/25/26
2/25/2026 Senate • Retained on Special Order Calendar
2/26/2026 Senate • Retained on Special Order Calendar
3/4/2026 Senate • Read 2nd time -SJ 556
• Amendment(s) adopted (241162) -SJ 561
• Read 3rd time -SJ 561
• CS passed as amended; YEAS 33 NAYS 1 -SJ 561
3/5/2026 House • In Messages
• Bill referred to House Calendar
• Bill added to Special Order Calendar (3/9/2026)
• 1st Reading (Engrossed 1)
3/9/2026 House • Read 2nd time
• Added to Third Reading Calendar
• Read 3rd time
• CS passed; YEAS 88, NAYS 19
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CS/CS/SB 1028, Engrossed 1 (Current Bill Version) Posted 3/4/2026 at 9:13 PM
Bill Text: Web Page | PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 943 (c2) Citizens Property Insurance Corporation Insurance & Banking Subcommittee Similar Last Action: 3/9/2026 H Laid on Table, refer to CS/CS/SB 1028 
Floor Votes (1)
Date Chamber Result 3/9/2026 5:27 PM House 88 Yeas - 19 Nays Citations - Statutes (2)
Citation Catchline Location in Bill Location In Bill Help 627.351 Insurance risk apportionment plans. Page 4 (pdf) 627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 4 (pdf) -
CS/CS/SB 1028, Committee Substitute 2 Posted 2/16/2026 at 2:08 PM
Bill Text: Web Page | PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 943 (c2) Citizens Property Insurance Corporation Insurance & Banking Subcommittee Similar Last Action: 3/9/2026 H Laid on Table, refer to CS/CS/SB 1028
Floor Amendments (4)
Amendment Sponsor Filed Last Floor Action Format 265466 - Amendment
Delete lines 95 - 695 and insert:Gruters 2/25/2026
11:39 AMSenate: Withdrawn
3/4/2026Web Page
PDF241162 - Amendment (Delete All)
Delete everything after the enacting clause and insert:Gruters 3/3/2026
1:53 PMSenate: Adopted
3/4/2026Web Page
PDF
579534 - Amendment to Amendment (241162)
Delete lines 283 - 287 and insert:Gruters 3/4/2026
2:43 PMSenate: Adopted
3/4/2026Web Page
PDF
626130 - Amendment to Amendment (241162)
Delete line 435 and insert:Gruters 3/3/2026
4:44 PMSenate: Adopted
3/4/2026Web Page
PDFFloor Votes (1)
Date Chamber Result 3/4/2026 6:44 PM Senate 33 Yeas - 1 Nays Citations - Statutes (2)
Citation Catchline Location in Bill Location In Bill Help 627.351 Insurance risk apportionment plans. Page 4 (pdf) 627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 5 (pdf) -
CS/SB 1028, Committee Substitute 1 Posted 1/15/2026 at 4:14 PM
Bill Text: Web Page | PDF Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 943 (c1) Citizens Property Insurance Corporation Insurance & Banking Subcommittee Similar Last Action: 3/9/2026 H Laid on Table, refer to CS/CS/SB 1028
Committee Amendments (1)
Amendment Sponsor Filed Last Committee Action Format 844932 - Amendment (Delete All)
Delete everything after the enacting clause and insert:Fiscal Policy
(Gruters)2/11/2026
8:59 AMReplaced by Committee Substitute
2/12/2026Web Page
PDFCommittee Votes (2)
Date Committee Result 2/4/2026 3:45 PM Appropriations Committee on Agriculture, Environment, and General Government 11 Yeas - 0 Nays 2/12/2026 9:00 AM Fiscal Policy 18 Yeas - 0 Nays Citations - Statutes (2)
Citation Catchline Location in Bill Location In Bill Help 627.351 Insurance risk apportionment plans. Page 3 (pdf) 627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 4 (pdf) -
SB 1028, Original Filed Version Posted 12/30/2025 at 11:11 AM
Bill Text: Web Page | PDF Analyses: Banking and Insurance (Pre-Meeting) 1/15/2026 (pdf)
Banking and Insurance (Post-Meeting) 1/15/2026 (pdf)
Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 943 Citizens Property Insurance Corporation Insurance & Banking Subcommittee Identical Last Action: 3/9/2026 H Laid on Table, refer to CS/CS/SB 1028
Committee Amendments (1)
Amendment Sponsor Filed Last Committee Action Format 624532 - Amendment (Delete All)
Delete everything after the enacting clause and insert:Banking and Insurance
(Gruters)1/12/2026
3:37 PMReplaced by Committee Substitute
1/15/2026Web Page
PDFCommittee Votes (1)
Date Committee Result 1/13/2026 4:00 PM Banking and Insurance 10 Yeas - 0 Nays Citations - Statutes (2)
Citation Catchline Location in Bill Location In Bill Help 627.351 Insurance risk apportionment plans. Page 2 (pdf) 627.3518 Citizens Property Insurance Corporation policyholder eligibility clearinghouse program. Page 3 (pdf)