HB 943 Florida House · 2026 Regular Session

Citizens Property Insurance Corporation

Summary

Citizens Property Insurance Corporation; Prohibits corporation from issuing or renewing coverage for commercial residential & commercial nonresidential risks & from imposing equalization adjustment; requires corporation to implement commercial lines clearinghouse; authorizes corporation to share risk exposure & policy information with commercial lines clearinghouse administrator; authorizes approved surplus lines clearinghouse insurers to participate in commercial lines clearinghouse; prohibits such insurers from participating in personal lines clearinghouse; authorizes OIR to review certain operational processes related to program.

Bill status in committee 3 of 5 stages cleared

Introduction

Dec 2025

Committee Review

Mar 2026

House Passage

Feb 2026

Senate Passage

Governor

Introduced Dec 30, 2025 Last action Mar 9, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

H 943 c1 → H 943 c2 · 6 edits

MODERATE

The bill text was updated from a first committee version to a second committee version, incorporating significant refinements to the Citizens Property Insurance Corporation's operations. Key changes include clarifying the rules for equalization adjustments, expanding the definition of the 'program,' and adding new provisions regarding commercial lines clearinghouse fees and data sharing. The revision also updates the legislative history and formatting to reflect these policy adjustments.

Scope change

The scope of the bill was expanded to include specific authorizations for the commercial lines clearinghouse administrator to charge fees and share risk exposure data, while also refining eligibility criteria for new commercial residential coverage.

DEFINITION

The definition of 'program' was revised to better align with the updated operational requirements of the Citizens Property Insurance Corporation.

REQUIREMENT

New requirements were added mandating the corporation to amend its plan of operation and implement a commercial lines clearinghouse by a specified date.

New provisions allow the corporation to share risk exposure and policy information with the clearinghouse administrator for specified purposes.

FISCAL

The bill now explicitly authorizes the commercial lines clearinghouse administrator to charge certain fees for its services.

ELIGIBILITY

The criteria for imposing equalization adjustments were modified, clarifying that the corporation is not automatically relieved of this obligation under certain circumstances.

TECHNICAL

The document title was updated to reflect the second committee version (CS/CS/HB 943), and page counts were adjusted to reflect the added content.

Floor votes · House Feb 24, 2026

How they voted

21–3

Passed · 2 other

Total votes 26

Feb 24, 2026

D Democratic7

3 Yea 3 Nay 1

42% Nay

R Republican19

18 Yea 1

94% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Mar 2, 2026

Committee

Bill referred to House Calendar

lower

Feb 27, 2026

Lower · Passed

Reported out of Commerce Committee

lower

Feb 24, 2026

House · Passed

House Vote: pass (21-3-2)

house

Feb 24, 2026

Lower · Passed

Favorable with CS by Commerce Committee

lower

Feb 20, 2026

Lower · Passed

Added to Commerce Committee agenda

lower

Feb 6, 2026

Lower · Passed

Now in Commerce Committee

lower

Feb 6, 2026

Committee

Referred to Commerce Committee

lower

Feb 4, 2026

Lower · Passed

Reported out of Insurance & Banking Subcommittee

lower

Feb 3, 2026

Lower · Passed

Favorable with CS by Insurance & Banking Subcommittee

lower

Jan 30, 2026

Lower · Passed

Added to Insurance & Banking Subcommittee agenda

lower

Jan 12, 2026

Lower · Passed

Now in Insurance & Banking Subcommittee

lower

Jan 12, 2026

Committee

Referred to Commerce Committee

lower

Jan 12, 2026

Committee

Referred to Insurance & Banking Subcommittee

lower

1 primary · 2 co-sponsors