CS/HB 1047: Insurance

GENERAL BILL by Insurance & Banking Subcommittee, Berfield

Insurance; Provides procedures & timelines for objecting, & responding to objections, to sufficiency of evidence submitted by claimants to insurers; revises requirements for licensing for general lines agents; specifies when adjusters must include their appointment types & names & license numbers if communicating with policyholders by text message; prohibits public adjusters from engaging in certain adversarial conduct; revises circumstances under which insurer or agent may cancel or nonrenew certain residential property insurance policies; revises required statement by property insurers providing preliminary or partial estimate of damage regarding claim; revises required statement by property insurers providing payment on claim which is not full & final payment for claim.

Current Bill Version Posted: 4/1/2025 02:15 PM

• Related Bills (5)

  Bill Number Subject Filed By Last Action and Location	Relationship Learn more about bill relationships
  H 643 (c2) by Insurance & Banking Subcommittee Insurance Last Action: 5/3/2025 S Indefinitely postponed and withdrawn from consideration	Compare
  H 841 by Botana, Cassel Residential Property Insurance Policy Cancellations, Nonrenewals, and Rate Changes Last Action: 5/3/2025 H Indefinitely postponed and withdrawn from consideration	Compare
  H 881 (c1) by Insurance & Banking Subcommittee Insurance Last Action: 5/3/2025 H Indefinitely postponed and withdrawn from consideration	Compare
  S 230 by Truenow Insurance Last Action: 5/3/2025 S Indefinitely postponed and withdrawn from consideration	Compare
  S 790 by Bradley Policy Cancellations and Nonrenewals by Property Insurers Last Action: 5/3/2025 S Indefinitely postponed and withdrawn from consideration	Compare

• Analyses (1)

  Links in this section are PDF documents.

  • Insurance & Banking Subcommittee (Post-Meeting)   4/1/2025

• Citations - Statute (7)

  The page numbers, when listed, for citations are constantly under review. The journals or printed bills of the respective chambers should be consulted as the official documents of the Legislature.
  
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  624.155	Civil remedy.	Page 2 [pdf]
  626.732	Requirement as to knowledge, experience, or instruction.	Page 3 [pdf]
  626.878	Rules; code of ethics.	Page 4 [pdf]
  627.4108	Claims-handling manuals; submission; attestation.	Page 5 [pdf]
  627.4133	Notice of cancellation, nonrenewal, or renewal premium.	Page 6 [pdf]
  627.7011	Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.	Page 9 [pdf]
  627.70131	Insurer’s duty to acknowledge communications regarding claims; investigation.	Page 9 [pdf]

• Bill History

  S = Senate, H = House

  2/25/2025	H	• Filed
  3/2/2025	H	• Referred to Insurance & Banking Subcommittee • Referred to Commerce Committee • Now in Insurance & Banking Subcommittee
  3/4/2025	H	• 1st Reading (Original Filed Version)
  3/25/2025	H	• PCS added to Insurance & Banking Subcommittee agenda
  3/27/2025	H	• Favorable with CS by Insurance & Banking Subcommittee
  3/31/2025	H	• Reported out of Insurance & Banking Subcommittee
  4/1/2025	H	• Laid on Table under Rule 7.18(a) • CS Filed • 1st Reading (Committee Substitute 1)
  4/2/2025	H	• Referred to Commerce Committee • Now in Commerce Committee
  5/3/2025	H	• Indefinitely postponed and withdrawn from consideration