SB 1240: Insurance Regulation
GENERAL BILL by Davis
Insurance Regulation; Making clarifying changes regarding the definition of residential coverage; prohibiting insurers from imposing or enforcing certain policy conditions or requirements; revising the conditions under which liability insurers may deny coverage based on a particular coverage defense; revising the timeframe in which insurers must pay or deny claims, etc.
Effective Date: 7/1/2026
Last Action: 1/12/2026 Senate - Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
Bill Text: Web Page | PDF
Last Action: 1/12/2026 Senate - Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
Bill Text: Web Page | PDF
Senate Committee References:
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Bill History
Date Chamber Action 1/6/2026 Senate • Filed
1/12/2026 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
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SB 1240, Original Filed Version (Current Bill Version) Posted 1/6/2026 at 3:54 PM
Bill Text: Web Page | PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1268 Insurance Davis Compare Last Action: 1/12/2026 S Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules 
Citations - Statutes (4)
Citation Catchline Location in Bill Location In Bill Help 627.4025 Residential coverage and hurricane coverage defined. Page 1 (pdf) 627.418 Validity of noncomplying contracts. Page 2 (pdf) 627.426 Claims administration. Page 3 (pdf) 627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 5 (pdf)