Florida · Senate Bill 1476 · 2026 Regular Session

Homeowners’ Insurance Premium Discounts

SB 1476 Sponsored by Mack Bernard Died in committee

  1. Introduced Jan 8, 2026
  2. In committee Jan 16, 2026
  3. Passed the Senate  
  4. Passed the House  
  5. To the governor  
  6. Became law Jul 1, 2026

What it does

The legislature's own summary of the bill, or its official long title.

Homeowners’ Insurance Premium Discounts; 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.

Every action

4 steps, oldest first, as the legislature records them.

  1. SenateFiled
  2. CommitteeReferred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy · Senate Banking and Insurance
  3. SenateIntroduced
  4. CommitteeDied in Banking and Insurance · Senate Banking and Insurance

Roll calls

No recorded votes on this bill yet.

Sponsors

The member who introduced it.

From Florida's official records (flsenate.gov), checked Nov 14, 2026. Text links go to the official versions; LegiList does not copy bill text.