Legislation - HB1148

Title: Homeowner's and Renter's Insurance - Lapses in Coverage - Prohibition on Denial
Sponsored by: Delegates Wivell, Baker, Hinebaugh, and Valentine
Status: In the Senate - First Reading Finance
Analysis: Fiscal and Policy Note

Synopsis

Prohibiting a property and casualty insurer from denying coverage based on a prior lapse in coverage of the applicant if the lapse was due to the choice of the applicant and not losses incurred by or the claims history of the applicant.

Committees

Original:: Economic Matters Click to view Recorded Media

Opposite:: Finance

Committee Testimony

Witness List

Details

Bill File Type: Regular

Effective Date(s): October 1, 2025

History

Legislation History
Chamber House Calendar Date 2/06/2025 Legislative Date 2/06/2025 Action First Reading Economic Matters Proceedings
Chamber Calendar Date Legislative Date Action Text - First - Property and Casualty Insurance - Lapses in Coverage - Prohibition on Denial Proceedings
Chamber House Calendar Date 2/06/2025 Legislative Date 2/06/2025 Action Hearing 2/19 at 1:00 p.m. Proceedings
Chamber Calendar Date Legislative Date Action Vote - House - Committee - Economic Matters Proceedings Click to view Recorded Media
Chamber House Calendar Date 3/15/2025 Legislative Date 3/15/2025 Action Favorable with Amendments Report by Economic Matters Proceedings
Chamber House Calendar Date 3/15/2025 Legislative Date 3/06/2025 Action Favorable with Amendments {633221/1 Adopted Proceedings 46 Click to view Recorded Media
Chamber House Calendar Date 3/15/2025 Legislative Date 3/06/2025 Action Second Reading Passed with Amendments Proceedings 46 Click to view Recorded Media
Chamber Calendar Date Legislative Date Action Text - Third - Homeowner's and Renter's Insurance - Lapses in Coverage - Prohibition on Denial Proceedings
Chamber House Calendar Date 3/17/2025 Legislative Date 3/09/2025 Action Third Reading Passed (139-0) Proceedings 49 Click to view Recorded Media
Chamber Senate Calendar Date 3/17/2025 Legislative Date 3/02/2025 Action Referred Finance Proceedings 50 Click to view Recorded Media

Chamber	Calendar Date	Legislative Date	Action	Proceedings
House	2/06/2025	2/06/2025	First Reading Economic Matters
			Text - First - Property and Casualty Insurance - Lapses in Coverage - Prohibition on Denial
House	2/06/2025	2/06/2025	Hearing 2/19 at 1:00 p.m.
			Vote - House - Committee - Economic Matters	Click to view Recorded Media
House	3/15/2025	3/15/2025	Favorable with Amendments Report by Economic Matters
House	3/15/2025	3/06/2025	Favorable with Amendments {633221/1 Adopted	46 Click to view Recorded Media
House	3/15/2025	3/06/2025	Second Reading Passed with Amendments	46 Click to view Recorded Media
			Text - Third - Homeowner's and Renter's Insurance - Lapses in Coverage - Prohibition on Denial
House	3/17/2025	3/09/2025	Third Reading Passed (139-0)	49 Click to view Recorded Media
Senate	3/17/2025	3/02/2025	Referred Finance	50 Click to view Recorded Media

File Code

Subjects

Statutes