SB 592 Florida Senate · 2025 Regular Session

My Safe Florida Condominium Pilot Program

Summary

My Safe Florida Condominium Pilot Program; Limiting participation in the My Safe Florida Condominium Pilot Program to certain structures or buildings; revising the improvements for which a grant may be used; requiring that improvements be verified during the final hurricane mitigation inspection to qualify for grant funds; specifying that mitigation grants may be awarded only for mitigation improvements that will result in a mitigation credit, discount, or other rate differential, etc.

Bill status in committee 1 of 4 stages cleared

Introduction

Mar 2025

Committee Review

Floor Vote

Governor

Introduced Mar 4, 2025 Last action Apr 29, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

S 592 c1 → S 592 c2 · 10 edits

MAJOR

This bill version significantly expands eligibility criteria, adds new funding limits and matching requirements, introduces stricter contractor verification, and establishes new conditions for grant disbursement and final inspection. The changes aim to ensure grants are used for improvements that actually reduce insurance costs while preventing duplicate funding.

Scope change

Expanded from only three-story structures to include structures with two or more single-family dwellings, and clarified that grants apply to specific structures or buildings within condominium properties rather than the entire property.

ELIGIBILITY

Changed participation requirements from 'three stories or more' to 'three or more stories in height' and added requirement that structures must contain 'two or more single-family dwellings'.

Modified approval voting requirements from '75 percent' to 'unanimous vote' of all unit owners residing in the structure receiving the grant.

FISCAL

Added specific grant matching requirements ($1 association match for $2 state funding) and maximum award limits ($175,000 per association for combined roof and opening protection projects).

Established specific funding amounts for roof-related projects ($11 per square foot, max $1,000 per unit) and opening protection projects (max $750 per window/door, max $1,500 per unit).

REQUIREMENT

Added requirement that the department must electronically verify contractor license numbers before approving grant applications.

Added new requirement that associations must complete entire mitigation projects and make properties available for final inspection within 1 year of grant approval.

Added requirement that grants may only be awarded for improvements that result in a mitigation credit, discount, or other rate differential.

Added restrictions preventing use of grants for previously installed improvements or insurance claim deductibles.

TIMELINE

Added effective date of July 1, 2025.

DEFINITION

Changed definition of 'condominium' to apply to specific structures or buildings rather than the entire property.

S 592 Filed → S 592 c1 · 11 edits

MAJOR

This bill revises the My Safe Florida Condominium Pilot Program by tightening eligibility requirements, specifying grant funding amounts, and adding verification requirements to ensure grants result in actual insurance rate reductions. The changes aim to make the program more effective by ensuring funds are used for improvements that provide measurable hurricane protection benefits.

Scope change

The bill maintains the same overall scope (condominium hurricane mitigation grants) but adds specific requirements for grant eligibility and verification that were not in the original version.

REQUIREMENT

Added requirement that improvements must be verified during final hurricane mitigation inspection to qualify for grant funds.

Added requirement that grants may only be awarded for improvements that result in a mitigation credit, discount, or insurance rate differential.

Added requirement that if a property already has code-compliant improvements, grants must be used for improvements that exceed current code and provide more hurricane protection than previously installed.

Added requirement that grants cannot be used to pay insurance deductibles for pending claims.

Added requirement that if improvements are needed for a mitigation credit, all openings (exterior doors, garage doors, windows, skylights) must be improved as a condition of receiving a grant.

FISCAL

Added specific grant funding amounts: $1 state match for every $2 association contribution, $11 per square foot for roof projects (max $1,000 per unit), and $750 per window/door (max $1,500 per unit), with a $175,000 total cap per association.

TIMELINE

Added requirement that construction must be completed and final inspection requested within 1 year of grant approval, or funds revert to the department.

Added effective date of July 1, 2025.

ELIGIBILITY

Modified approval requirement from '75 percent' to 'unanimous vote' of all unit owners residing in the structure receiving the grant.

DEFINITION

Added specific list of eligible improvements including roof-to-wall connections, roof-deck attachments, secondary water resistance, and roof covering replacement.

ENFORCEMENT

Added requirement for department to develop a process to collect and verify inspection and grant application information efficiently.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Apr 22, 2025

Upper · Passed

Favorable by- Fiscal Policy; YEAS 18 NAYS 0

upper

Apr 17, 2025

Upper · Passed

On Committee agenda-- Fiscal Policy, 04/22/25, 11:00 am, 412 Knott Building

upper

Mar 27, 2025

Upper · Passed

Pending reference review under Rule 4.7(2) - (Committee Substitute)

upper

Mar 20, 2025

Upper · Passed

On Committee agenda-- Regulated Industries, 03/25/25, 4:00 pm, 412 Knott Building

upper

Mar 4, 2025

Introduced

upper

Mar 4, 2025

Upper · Passed

Pending reference review under Rule 4.7(2) - (Committee Substitute)

upper

Feb 24, 2025

Upper · Passed

On Committee agenda-- Banking and Insurance, 03/03/25, 1:00 pm, 412 Knott Building

upper

Feb 20, 2025

Committee

Referred to Banking and Insurance; Regulated Industries; Fiscal Policy

upper

1 primary · 1 co-sponsor