Florida 2026 Session Status: Introduced 2 D cosponsors

SB 128 — Homeowners’ Insurance Policies

Last action — Died in Banking and Insurance

Track this bill free

No card. One bill, free forever — alerts when it moves.

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Senate. Introduced October 07, 2025. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Not enough signal yet

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

Homeowners’ Insurance Policies; Requiring insurers to reimburse homeowners for the cost of a specified roof inspection under certain circumstances; requiring insurers to make certain notifications to homeowners at a specified time, etc.

Bill Text

How this bill changes current law

5 changes Share ↗

AI-generated reading aid from the bill's amendatory text — verify against the official bill.

The bill requires insurers to reimburse homeowners for certain roof inspection costs and mandates notification of this right during policy issuance or renewal.

  • 627.7011

    determines indicates that the roof has 5 years or more of useful life remaining. → determines that the roof has 5 years or more of useful life remaining.

    Clarifies the wording regarding the inspection determination about roof life.

  • 627.7011

    the performed by an authorized inspector performing the inspection

    Removes redundant wording regarding the authorized inspector's role.

  • 627.7011

    must allow a homeowner to have a roof inspection performed by an authorized inspector at the homeowner’s expense before requiring the replacement of the roof of a residential structure as a condition of issuing or renewing a homeowner’s insurance policy.

    Establishes the right for homeowners to conduct an inspection at their expense before any replacement requirement.

  • 627.7011

    must reimburse the homeowner for the cost of the inspection in an amount not to exceed $300.

    Mandates insurers to reimburse homeowners for the specified inspection cost upon a positive inspection outcome.

  • 627.7011

    must notify a homeowner of the right to have a roof inspection and of the insurer’s obligation to reimburse the homeowner as specified under this paragraph at the time of issuing or renewing a homeowner’s insurance policy.

    Requires insurers to inform homeowners of their rights and insurer obligations regarding roof inspections and reimbursements.

Action History

  1. Died in Banking and Insurance

  2. Introduced

  3. Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules

  4. Filed

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 1 co-sponsors · 162 not signed on

Sponsors (1)

Co-sponsors (1)

Not signed on (162)

162 members have not signed on to this bill.

Show all 162 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance housing
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB 128 do?
Homeowners’ Insurance Policies; Requiring insurers to reimburse homeowners for the cost of a specified roof inspection under certain circumstances; requiring insurers to make certain notifications to homeowners at a specified time, etc.
Who sponsors SB 128?
SB 128 is sponsored by Davis, Tracie (Democrat) and Smith, Carlos Guillermo (Democrat).
What is the current status of SB 128?
This bill has been introduced in the Senate. Introduced October 07, 2025. It must pass committee before a floor vote.
Where can I track SB 128?
Track SB 128 free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on SB 128

Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.

Find my representatives → Run a campaign

Stay ahead of SB 128

Last checked for changes 2 months ago · updated continuously

One Click Politics tracks every bill in Congress and all 50 states.

Track this bill →