Changes to Citizens Property Insurance Clearinghouse Rules

Where This Stands

Currently Laid on Table, refer to CS/CS/SB 1028. The next step in the legislative lifecycle is Introduced.

Procedural history

18 actions

Feb 27, 2026HouseIntroduced
CS Filed
Feb 27, 2026House
Laid on Table under Rule 7.18(a)
Feb 27, 2026House
Reported out of Commerce Committee
Feb 24, 2026HouseCommittee
Favorable with CS by Commerce Committee
Feb 20, 2026House
Added to Commerce Committee agenda
Feb 6, 2026House
Now in Commerce Committee

Show 12 earlier actions

Feb 6, 2026HouseCommittee
Referred to Commerce Committee
Feb 4, 2026HouseIntroduced
1st Reading (Committee Substitute 1)
Feb 4, 2026HouseIntroduced
CS Filed
Feb 4, 2026House
Laid on Table under Rule 7.18(a)
Feb 4, 2026House
Reported out of Insurance & Banking Subcommittee
Feb 3, 2026HouseCommittee
Favorable with CS by Insurance & Banking Subcommittee
Jan 30, 2026House
Added to Insurance & Banking Subcommittee agenda
Jan 13, 2026HouseIntroduced
1st Reading (Original Filed Version)
Jan 12, 2026House
Now in Insurance & Banking Subcommittee
Jan 12, 2026HouseCommittee
Referred to Commerce Committee
Jan 12, 2026HouseCommittee
Referred to Insurance & Banking Subcommittee
Dec 30, 2025HouseIntroduced
Filed

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

The Frame

What this does

The bill changes the process for commercial property owners seeking coverage through Citizens, potentially requiring them to accept offers from private s if those offers are within 20% of the cost of a Citizens policy, or face an '' fee.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Commercial property owners

They must submit applications through the clearinghouse and may face higher costs or be required to switch to private insurers.

Independent and exclusive insurance agents

They are granted ownership of policy records and expirations for business written through the clearinghouse.

Surplus lines insurers

They are authorized to participate in the commercial lines clearinghouse and may charge transaction and technology fees.

What changed

Last recorded activity December 30, 2025.

What's next

Introduced.

Summary

This bill updates how the Citizens Property Insurance Corporation manages its 'clearinghouse' program, which is designed to move commercial property insurance customers from the state-backed insurer into the private market. It mandates that new commercial applications be screened through this system starting January 1, 2027, and introduces new rules for how private insurers can offer coverage.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Why It Matters

The bill changes the process for commercial property owners seeking coverage through Citizens, potentially requiring them to accept offers from private s if those offers are within 20% of the cost of a Citizens policy, or face an '' fee.

Frequently Asked Questions

What is the 'clearinghouse' program?

It is an organizational unit within Citizens Property Insurance Corporation that screens insurance applications to see if private insurers are willing to offer coverage, aiming to move policyholders out of the state-backed insurer.

Will I be forced to switch to a private insurer?

If you are a commercial policyholder, the clearinghouse will check for private offers. If an approved offers within 20% of the cost of a Citizens policy, you may be required to pay an '' if you choose to stay with Citizens.

When do these changes take effect?

The bill takes effect upon becoming law, but the requirement for Citizens to implement the commercial lines clearinghouse is set for January 1, 2027.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Voting Record

Motion succeededhouse2/24/2026Official roll call ↗

Favorable With Committee Substitute (Commerce Committee)

Total

44

Yes

37

No

4

Present

0

Not Voting

3

Abstain

0

How they voted (44)

+ 20 more

Motion succeededhouse2/3/2026Official roll call ↗

Favorable With Committee Substitute (Insurance & Banking Subcommittee)

Total

30

Yes

24

No

0

Present

0

Not Voting

6

Abstain

0

How they voted (30)

+ 6 more

Full roll-call analysis →

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Mandatory Commercial Clearinghouse

The bill shifts from a voluntary or personal-lines-focused clearinghouse to a mandatory commercial lines clearinghouse, signaling a state-level effort to reduce Citizens' commercial risk exposure.

Citizens Property Insurance Corporation

Connected Entities

organizationCitizens Property Insurance Corporation“The subject of the bill.”Map →

organizationCommerce Committee“Committee reviewing the bill.”Map →

otherRule 7.18(a)“Rule used for laying the bill on the table.”Map →

organizationInsurance & Banking Subcommittee“Committee reviewing the bill.”Map →

otherCS“Committee Substitute”Map →

Sources

Open source document

openstates.org

Analysis Score

0–100

Significance85
How much this matters to a regular citizen
Controversy60
Intensity of disagreement among stakeholders
Entertainment10
Compellingness for a non-policy-wonk reader
Buzz30
Current news / social attention level