Florida 2022 Special Session D Status: In Committee 1 D cosponsors

HB 15D — Homeowners' Insurance Policies

Last action — Withdrawn prior to introduction; companion bill(s) passed, see CS/SB 2-D (Ch. 2022-268)

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

This bill died with 2022 Special Session D. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.

This bill is no longer active — its legislative session has ended, so there is no live prognosis. It would have to be reintroduced in the current session to move again.

In plain language

The bill sets requirements for insurers regarding homeowners' insurance policy renewals and inspections.

This bill mandates that property insurers cannot require certain property replacements for homeowners' insurance unless particular inspection conditions are met. It specifies that insurers must allow biannual four-point inspections before refusing policy issuance or renewal.

What this means for you
  • Homeowners: Homeowners may have an easier time securing insurance renewals if they pass required inspections.

Summary

Homeowners' Insurance Policies; Provides requirement for property insurers before insurers may require certain property replacements as condition of issuance or renewal of homeowners' insurance policies; prohibits property insurers from refusing to issue or renew policies unless specified requirements are met.

Bill Text

How this bill changes current law

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

The bill introduces new conditions under which insurers can require property replacements as a condition for homeowners' insurance policies and adds definitions related to inspections.

  • Section 627.7011

    (5)(a) As used in this subsection, the term: 1. "Authorized inspector" means an inspector who is approved by the insurer and who is: a. A home inspector licensed under s. 468.8314; b. A building code inspector certified under s. 468.607; c. A general, building, or residential contractor licensed under s. 489.111; d. A professional engineer licensed under s. 471.015; e. A professional architect licensed under s. 481.213; or f. Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete a four-point inspection. 2. "Four-point inspection" means an inspection of the current condition of the four following main areas of a dwelling: a. Heating, ventilation, and air conditioning. b. Electrical wiring and panels. c. Plumbing connections and fixtures. d. Roof.

    Defines terms for an authorized inspector and a four-point inspection related to homeowners' insurance.

  • Section 627.7011

    (b) Before requiring, as a condition of issuance or renewal of a homeowner's insurance policy, replacement of any part of a dwelling, including, but not limited to, replacement of the roof, a window, plumbing, or a hot water heater, the insurer must allow the homeowner to have a biannual four-point inspection of the dwelling performed by an authorized inspector at the homeowner's expense.

    Requires insurers to allow a biannual four-point inspection before mandating replacement of parts of a dwelling.

  • Section 627.7011

    (c) The insurer may not refuse to issue or renew a homeowner's insurance policy unless the dwelling fails to pass a four-point inspection performed by an authorized inspector.

    Prohibits insurers from refusing to issue or renew policies based on inspection failure unless explicitly stated.

  • Section 627.7011

    (d) The insurer may not refuse to issue or renew a homeowner's insurance policy for a dwelling with a roof older than 15 years unless the dwelling fails to pass a general inspection performed by an authorized inspector.

    Limits insurer's ability to refuse coverage based solely on the age of the roof, subject to passing an inspection.

  • Section 627.7142

    ss. 627.7011(6)(e) → ss. 627.7011(5)(e)

    Updates a cross-reference in the Homeowner Claims Bill of Rights to reflect the newly numbered section referring to homeowner's insurance policy requirements.

Action History

  1. Withdrawn prior to introduction; companion bill(s) passed, see CS/SB 2-D (Ch. 2022-268)

  2. Now in Appropriations Committee

  3. Referred to Appropriations Committee

  4. Filed

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 159 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (159)

159 members have not signed on to this bill.

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"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.

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Subjects

healthcare
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Frequently asked questions

What does HB 15D do?
Homeowners' Insurance Policies; Provides requirement for property insurers before insurers may require certain property replacements as condition of issuance or renewal of homeowners' insurance policies; prohibits property insurers from refusing to issue or renew policies unless specified requirements are met.
Who sponsors HB 15D?
HB 15D is sponsored by Hinson, Yvonne Hayes (Democrat).
What is the current status of HB 15D?
This bill died with 2022 Special Session D. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.
Where can I track HB 15D?
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Last checked for changes 2 months ago · updated continuously

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