HB 459: Property Insurance Claims
GENERAL BILL by Maggard
Property Insurance Claims; Establishes mandatory procedure for resolution of disputed property insurance claims; requires insurers to notify policyholders of mandatory procedure; requires DFS to prepare consumer information pamphlet to be provided to policyholders; authorizes policyholder or insurer to file petition with Division of Administrative Hearings to resolve certain claims; specifies that parties to claim must bear cost of certain conferences; requires administrative law judge to dismiss petitions that do not contain specified information; requires that petition include certain certification; specifies that dismissal of petition or portion of petition is without prejudice & does not require hearing; requires insurer to pay requested claim or file response to petition within specified timeframe; requires administrative law judge to make final determination of total coverage amount within specified timeframe; requires such amount to be paid in specified manner.
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Bill History
Date Chamber Action 11/18/2025 House • Filed
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HB 459, Original Filed Version (Current Bill Version) Posted 11/18/2025 at 1:35 PM
Bill Text: PDF Analyses: None Related Bills (2)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 341 Resolution of Disputed Property Insurance Claims Spencer Compare Last Action: 11/12/2025 H Now in Insurance & Banking Subcommittee 
S 108 Resolution of Disputed Property Insurance Claims Polsky Compare Last Action: 10/13/2025 S Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
Citations - Statutes (8)
Citation Catchline Location in Bill Location In Bill Help 627.351 Insurance risk apportionment plans. Page 11 (pdf) 627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation. Page 12 (pdf) 627.7015 Alternative procedure for resolution of disputed property insurance claims. Page 3 (pdf) 627.70151 Appraisal; conflicts of interest. Page 11 (pdf) 627.70152 Suits arising under a property insurance policy. Page 11 (pdf) 627.70153 Consolidation of residential property insurance actions. Page 11 (pdf) 627.70154 Mandatory binding arbitration. Page 11 (pdf) 627.7074 Alternative procedure for resolution of disputed sinkhole insurance claims. Page 13 (pdf)