Legislation

Title: Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial
Sponsored by: Delegates Wivell, Baker, Hinebaugh, and Valentine
Status: Approved by the Governor - Chapter 381
Analysis: Fiscal and Policy Note (Revised)

Synopsis

Prohibiting an insurer, with respect to residential condominium unit insurance, from refusing to issue a policy based solely on a prior lapse in coverage of the applicant if the lapse was due to an insurer's withdrawal from the market, the lapse in coverage was for no longer than 90 days, the applicant provides an affidavit that the applicant has not incurred any losses during the lapse in coverage, and the applicant provides any other documentation required by the insurer.

Committees

Original:: Economic Matters Click to view Recorded Media

Opposite:: Finance Click to view Recorded Media

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 Senate Calendar Date 3/20/2025 Legislative Date 3/20/2025 Action Hearing 3/27 at 1:00 p.m. Proceedings
Chamber Calendar Date Legislative Date Action Vote - Senate - Committee - Finance Proceedings Click to view Recorded Media
Chamber Senate Calendar Date 4/04/2025 Legislative Date 4/04/2025 Action Favorable with Amendments Report by Finance Proceedings
Chamber Senate Calendar Date 4/04/2025 Legislative Date 3/18/2025 Action Favorable with Amendments {743229/1 Adopted Proceedings 66 Click to view Recorded Media
Chamber Senate Calendar Date 4/04/2025 Legislative Date 3/18/2025 Action Second Reading Passed with Amendments Proceedings 66 Click to view Recorded Media
Chamber Senate Calendar Date 4/04/2025 Legislative Date 3/19/2025 Action Third Reading Passed (45-0) Proceedings 67 Click to view Recorded Media
Chamber House Calendar Date 4/05/2025 Legislative Date 3/22/2025 Action House Refuses Concur Senate Amendments Proceedings 62 Click to view Recorded Media
Chamber House Calendar Date 4/05/2025 Legislative Date 3/22/2025 Action House Requests Senate Recede Proceedings 62 Click to view Recorded Media
Chamber House Calendar Date 4/05/2025 Legislative Date 3/22/2025 Action House Conference Committee Appointed (Delegates Wivell, Qi and Amprey) Proceedings 62 Click to view Recorded Media
Chamber Senate Calendar Date 4/07/2025 Legislative Date 3/22/2025 Action House Refuses Concur Senate Amendments Proceedings 70 Click to view Recorded Media
Chamber Senate Calendar Date 4/07/2025 Legislative Date 3/22/2025 Action House Requests Senate Recede Proceedings 70 Click to view Recorded Media
Chamber Senate Calendar Date 4/07/2025 Legislative Date 3/22/2025 Action House Conference Committee Appointed (Delegates Wivell, Qi and Amprey) Proceedings 70 Click to view Recorded Media
Chamber Senate Calendar Date 4/07/2025 Legislative Date 3/22/2025 Action Senate Refuses Recede Proceedings 70 Click to view Recorded Media
Chamber House Calendar Date 4/07/2025 Legislative Date 3/24/2025 Action House Concurs Senate Amendments Proceedings 64 Click to view Recorded Media
Chamber House Calendar Date 4/07/2025 Legislative Date 3/24/2025 Action Third Reading Passed (138-0) Proceedings 64 Click to view Recorded Media
Chamber House Calendar Date 4/07/2025 Legislative Date 3/24/2025 Action Passed Enrolled Proceedings
Chamber Calendar Date Legislative Date Action Text - Enrolled - Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial Proceedings
Chamber Post Passage Calendar Date 5/06/2025 Legislative Date 5/06/2025 Action Approved by the Governor - Chapter 381 Proceedings
Chamber Calendar Date Legislative Date Action Text - Chapter - Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial Proceedings

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
Senate	3/20/2025	3/20/2025	Hearing 3/27 at 1:00 p.m.
			Vote - Senate - Committee - Finance	Click to view Recorded Media
Senate	4/04/2025	4/04/2025	Favorable with Amendments Report by Finance
Senate	4/04/2025	3/18/2025	Favorable with Amendments {743229/1 Adopted	66 Click to view Recorded Media
Senate	4/04/2025	3/18/2025	Second Reading Passed with Amendments	66 Click to view Recorded Media
Senate	4/04/2025	3/19/2025	Third Reading Passed (45-0)	67 Click to view Recorded Media
House	4/05/2025	3/22/2025	House Refuses Concur Senate Amendments	62 Click to view Recorded Media
House	4/05/2025	3/22/2025	House Requests Senate Recede	62 Click to view Recorded Media
House	4/05/2025	3/22/2025	House Conference Committee Appointed (Delegates Wivell, Qi and Amprey)	62 Click to view Recorded Media
Senate	4/07/2025	3/22/2025	House Refuses Concur Senate Amendments	70 Click to view Recorded Media
Senate	4/07/2025	3/22/2025	House Requests Senate Recede	70 Click to view Recorded Media
Senate	4/07/2025	3/22/2025	House Conference Committee Appointed (Delegates Wivell, Qi and Amprey)	70 Click to view Recorded Media
Senate	4/07/2025	3/22/2025	Senate Refuses Recede	70 Click to view Recorded Media
House	4/07/2025	3/24/2025	House Concurs Senate Amendments	64 Click to view Recorded Media
House	4/07/2025	3/24/2025	Third Reading Passed (138-0)	64 Click to view Recorded Media
House	4/07/2025	3/24/2025	Passed Enrolled
			Text - Enrolled - Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial
Post Passage	5/06/2025	5/06/2025	Approved by the Governor - Chapter 381
			Text - Chapter - Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial

File Code

Subjects

Statutes