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.

Current Bill Version Posted: 11/18/2025 01:35 PM

• Related Bills (2)

  Bill Number Subject Filed By Last Action and Location	Relationship Learn more about bill relationships
  H 341 by Spencer Resolution of Disputed Property Insurance Claims Last Action: 3/13/2026 H Died in Insurance & Banking Subcommittee	Compare
  S 108 by Polsky Resolution of Disputed Property Insurance Claims Last Action: 3/13/2026 S Died in Banking and Insurance	Compare

• Citations - Statute (8)

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  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)

• Bill History

  S = Senate, H = House

  11/18/2025	H	• Filed
  11/24/2025	H	• Referred to Insurance & Banking Subcommittee • Referred to Civil Justice & Claims Subcommittee • Referred to Commerce Committee • Now in Insurance & Banking Subcommittee
  1/9/2026	H	• Withdrawn prior to introduction