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 - Hearing 3/27 at 1:00 p.m.
Analysis: Fiscal and Policy Note (Revised)

Synopsis

Prohibiting an insurer, with respect to homeowner's insurance and renter's insurance, 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; and authorizing a property and casualty insurer to require an applicant to submit an affidavit stating that the applicant did not incur a loss during the prior lapse in coverage.

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	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.

File Code

Subjects

Statutes