Florida legislation · 2026 Regular Session
Florida S1476: Homeowners' Insurance Premium Discounts
Status: Failed, March 13, 2026
Requiring residential property insurers to provide specified premium reductions for claim-free periods and mitigation improvements; prohibiting the use of storm-related claims to deny eligibility for a premium reduction; requiring the Office of Insurance Regulation to adopt rules relating to mitigation upgrades; prohibiting certain claims that are the result of an act of God from being used as a cause for premium discount ineligibility, etc.
What the bill says
An act relating to homeownersâ insurance premium discounts; creating s. 626.0656, F.S.; defining terms; requiring residential property insurers to provide specified premium reductions for claim-free periods and mitigation improvements; specifying the conditions under which such reductions apply; prohibiting the use of storm-related claims to deny eligibility for a premium reduction; requiring the Office of Insurance Regulation to adopt rules relating to mitigation upgrades…
From the introduced text, January 8, 2026:
A bill to be entitled An act relating to homeownersâ insurance premium discounts; creating s. 626.0656, F.S.; defining terms; requiring residential property insurers to provide specified premium reductions for claim-free periods and mitigation improvements; specifying the conditions under which such reductions apply; prohibiting the use of storm-related claims to deny eligibility for a premium reduction; requiring the Office of Insurance Regulation to adopt rules relating to mitigation upgrades; requiring residential property insurers to submit, by a specified date, a specified report to the office; requiring the office to compile certain reports and publish an annual report on its website; amending s. 627.4133, F.S.; prohibiting certain claims that are the result of an act of God from being used as a cause for premium discount ineligibility; providing construction; providing an effective date. Be It Enacted by the Legislature of the State of Florida: Section 1.âSection 626.0656, Florida Statutes, is created to read: 626.0656âHomeownersâ insurance premium discounts and rating protections.â (1)âAs used in this section, the term: (a)ââClaim-free periodâ means a continuous period during which a residential property insurance policy remains in force and the policyholder submits no claim other than a storm-related claim. (b)ââMitigation improvementâ means any structural or nonstructural feature, installation, or upgrade made to a residential structure for the purpose of reducing windstorm or hurricane damage risk, including, but …
Sponsors
- Bernard, Mack (D, SD-024) · primary sponsor
Latest actions
- : Died in Banking and Insurance
- : Introduced
- : Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
- : Filed
Subjects: Fiscal Policy, Banking and Insurance, Appropriations Committee on Agriculture, Environment, and General Government
Common questions
- What is S1476?
- S1476 is a bill in the Florida Legislature (2026 Regular Session): Homeowners' Insurance Premium Discounts.
- What does S1476 do?
- In its own words: An act relating to homeownersâ insurance premium discounts; creating s. 626.0656, F.S.; defining terms; requiring residential property insurers to provide specified premium reductions for claim-free periods and mitigation improvements; specifying the conditions under which such reductions apply; prohibiting the use of storm-related claims to deny eligibility for a premium reduction; requiring the Office of Insurance Regulation to adopt rules relating to mitigation upgrades…
- What is the status of S1476?
- Failed as of March 13, 2026. Latest action: Died in Banking and Insurance (March 13, 2026).
- Who sponsored S1476?
- Bernard, Mack (D, SD-024).
- Where is the official record for S1476?
- On the Florida Legislature website: https://www.flsenate.gov/Session/Bill/2026/1476
Source: official Florida record. Tracked by Delilah, AI for legislation across all 50 states and Congress.