# Florida SB 1028: Citizens Property Insurance Corporation

Florida SB 1028, Citizens Property Insurance Corporation, is a 2026 Senate bill sponsored by Joe Gruters (Republican); status signed, last action 2026-06-17 (Chapter No. 2026-150); PRIA reads it as touching household money (as of 2026-10-12).

- Canonical: https://policyrisk.com/state-bill/FL-SB1028-2026
- As of: 2026-10-12
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Florida SB 1028
- State: Florida
- Session: 2026
- Title: Citizens Property Insurance Corporation
- Status: signed
- Chamber: Senate
- Introduced: 2025-12-30
- Last action: 2026-06-17, Chapter No. 2026-150
- Sponsor: Joe Gruters (Republican)
- Cosponsors: 2
- Subjects: Appropriation, Banking and Insurance, Appropriations Committee on Agriculture, Environment, and General Government, Fiscal Policy, House Calendar
- Touches household money: yes
- Roll calls: 5 (160 yes, 20 no in all)
- Economic provisions PRIA read: 11

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Commercial applicants can receive unmatched coverage offers: benefit, low. Approved surplus-lines insurers can use the clearinghouse to offer commercial coverage that does not match Citizens' coverage. They must clearly label the offer as noncomparable. These offers sit outside the program and are exempt from the cited statutory restriction on program offers. They do not…
- Insurance agents gain minimum commission protections: benefit, low. Producing agents must receive at least Citizens' effective commission percentage in effect on January 1, 2026, calculated the same way. The calculation excludes fees, assessments, surcharges, and taxes; agents may voluntarily accept less. Authorized insurers must pay the greater of Citizens' commis…
- Private offers can block Citizens home coverage: cost, medium. Citizens must send new personal insurance applications and renewals through its clearinghouse before providing coverage. A comparable authorized-insurer offer at or below the statutory price threshold makes the applicant or renewing policyholder ineligible. The threshold depends on whether the home…
- Commercial coverage can cost 15% more: cost, low. Comparable approved surplus-lines offers block new or continued Citizens commercial coverage when total cost is no more than 15% higher. This applies to both commercial residential and nonresidential risks, subject to the required surplus-lines notice. Total cost includes annual premium and all man…
- Private offers limit Citizens commercial coverage: cost, low. A comparable authorized-insurer offer blocks Citizens coverage for new and renewing commercial nonresidential risks. For commercial residential risks, comparable offers block new or renewal coverage when they meet the applicable statutory price threshold. Above that threshold, applicants and policy…
- Policyholders get different Citizens nonrenewal notices: mixed, low. Citizens must give 45 days' notice when an authorized insurer's program offer causes nonrenewal. For a disqualifying approved surplus-lines offer, the ordinary statutory nonrenewal notice does not apply. Instead, the clearinghouse administrator must notify the first-named insured in writing within…
- Insurance data sharing gains privacy limits: mixed, low. Citizens must share risk and policy information with the surplus-lines administrator to operate the clearinghouse and support risk reviews. For other uses, data must be grouped and stripped of identifying details, except for specific-risk submissions. Insurer-owned or controlled business informatio…
- Insurers face ratings and state oversight: mixed, low. Eligible surplus-lines insurers need an A- or higher A.M. Best strength rating and an A-VII or higher size category. They also need an administrator recommendation and state verification of program standards; verification is automatic after 30 business days without completion. Florida's insurance o…
- Commercial applicants face private insurance screening: mixed, low. By January 1, 2027, Citizens must implement separate commercial clearinghouses for authorized insurers and approved surplus-lines insurers. New commercial applications and renewals go to authorized insurers first. Without a qualifying comparable offer within five days, the risk may move to surplus-…
- Insurance agents keep records, face agreement rules: mixed, low. Agents need no insurer appointment for policies written solely through the program, but required agency or servicing agreements still apply. Participating insurers can act through designated managing agents, underwriters, brokers, or surplus-lines agents. Surplus-lines agents with participating-ins…
- Insurers choose participation; Citizens faces funding limits: mixed, low. Insurer participation is voluntary; authorized insurers can join the personal or authorized commercial clearinghouses, while approved surplus-lines insurers join only theirs. Authorized-insurance participants and their agents owe no clearinghouse cost-offset fee. Citizens keeps commercial clearingh…

## Sponsors and cosponsors

- Sponsor: Joe Gruters (Republican), Senate
- Cosponsor: Banking and Insurance
- Cosponsor: Fiscal Policy

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-03-09 | House | House Floor Vote | pass | 88 | 19 |   |
| 2026-03-04 | Senate | Senate Floor Vote | pass | 33 | 1 |   |
| 2026-02-12 | Senate | Fiscal Policy Vote | pass | 18 | 0 |   |
| 2026-02-04 | Senate | Appropriations Committee on Agriculture, Environment, and General Government Vote | pass | 11 | 0 |   |
| 2026-01-13 | Senate | Banking and Insurance Vote | pass | 10 | 0 |   |

## Actions (35)

- 2026-06-17: Chapter No. 2026-150
- 2026-06-16: Approved by Governor
- 2026-06-15: Signed by Officers and presented to Governor
- 2026-03-17: Ordered enrolled (Senate)
- 2026-03-09: CS passed; YEAS 88, NAYS 19 (House)
- 2026-03-09: Read 3rd time (House)
- 2026-03-09: Added to Third Reading Calendar (House)
- 2026-03-09: Read 2nd time (House)
- 2026-03-05: 1st Reading (Engrossed 1) (House)
- 2026-03-05: Bill added to Special Order Calendar (3/9/2026) (House)
- 2026-03-05: Bill referred to House Calendar (House)
- 2026-03-05: In Messages (House)
- 2026-03-04: CS passed as amended; YEAS 33 NAYS 1 -SJ 561 (Senate)
- 2026-03-04: Read 3rd time -SJ 561 (Senate)
- 2026-03-04: Amendment(s) adopted (241162) -SJ 561 (Senate)
- 2026-03-04: Read 2nd time -SJ 556 (Senate)
- 2026-02-26: Retained on Special Order Calendar -SJ 463 (Senate)
- 2026-02-25: Retained on Special Order Calendar -SJ 437 (Senate)
- 2026-02-23: Placed on Special Order Calendar, 02/25/26 (Senate)
- 2026-02-18: CS/CS by Fiscal Policy read 1st time (Senate)
- 2026-02-16: Placed on Calendar, on 2nd reading (Senate)
- 2026-02-16: Pending reference review -under Rule 4.7(2) - (Committee Substitute) (Senate)
- 2026-02-12: CS/CS by- Fiscal Policy; YEAS 18 NAYS 0 (Senate)
- 2026-02-09: On Committee agenda-- Fiscal Policy, 02/12/26, 9:00 am, 110 Senate Building (Senate)
- 2026-02-05: Now in Fiscal Policy (Senate)
- 2026-02-04: Favorable by Appropriations Committee on Agriculture, Environment, and General Government; YEAS 11 NAYS 0 (Senate)
- 2026-01-30: On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/04/26, 3:45 pm, 412 Knott Building (Senate)
- 2026-01-22: CS by Banking and Insurance read 1st time (Senate)
- 2026-01-16: Now in Appropriations Committee on Agriculture, Environment, and General Government (Senate)
- 2026-01-15: Pending reference review under Rule 4.7(2) - (Committee Substitute) (Senate)
- 2026-01-13: Introduced (Senate)
- 2026-01-13: CS by Banking and Insurance; YEAS 10 NAYS 0 (Senate)
- 2026-01-08: On Committee agenda-- Banking and Insurance, 01/13/26, 4:00 pm, 412 Knott Building (Senate)
- 2026-01-07: Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy (Senate)
- 2025-12-30: Filed (Senate)

## Bill text

- er, 2026-06-16: [HTML](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/er/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/er/PDF)
- e1, 2026-03-04: [HTML](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/e1/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/e1/PDF)
- c2, 2026-02-16: [HTML](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/c2/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/c2/PDF)
- c1, 2026-01-15: [HTML](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/c1/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/c1/PDF)
- Filed, 2025-12-30: [HTML](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/Filed/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/Filed/PDF)

## Related bills

- SB 14: Relief of Jose Correa by Miami-Dade County (signed)
- HB 6509: Relief/Estate of Mark LaGatta/Department of Transportation (signed)
- HB 6515: Relief/Lourdes Latour and Edward Latour/Miami-Dade County (signed)
- HB 6507: Relief/L.E./Department of Children and Families (signed)
- HB 6517: Relief/Heriberto A. Sanchez-Mayen/City of St. Petersburg (signed)
- HB 4103: Apalachicola Water and Sewer District, Franklin County (signed)

## Sources
- [er (HTML)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/er/HTML)
- [er (PDF)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/er/PDF)
- [e1 (HTML)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/e1/HTML)
- [e1 (PDF)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/e1/PDF)
- [c2 (HTML)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/c2/HTML)
- [c2 (PDF)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/c2/PDF)
- [c1 (HTML)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/c1/HTML)
- [c1 (PDF)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/c1/PDF)
- [Filed (HTML)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/Filed/HTML)
- [Filed (PDF)](https://www.flsenate.gov/Session/Bill/2026/1028/BillText/Filed/PDF)

## Related
- [SB 14: Relief of Jose Correa by Miami-Dade County](https://policyrisk.com/state-bill/FL-SB14-2026)
- [HB 6509: Relief/Estate of Mark LaGatta/Department of Transportation](https://policyrisk.com/state-bill/FL-HB6509-2026)
- [HB 6515: Relief/Lourdes Latour and Edward Latour/Miami-Dade County](https://policyrisk.com/state-bill/FL-HB6515-2026)
- [HB 6507: Relief/L.E./Department of Children and Families](https://policyrisk.com/state-bill/FL-HB6507-2026)
- [HB 6517: Relief/Heriberto A. Sanchez-Mayen/City of St. Petersburg](https://policyrisk.com/state-bill/FL-HB6517-2026)
- [HB 4103: Apalachicola Water and Sewer District, Franklin County](https://policyrisk.com/state-bill/FL-HB4103-2026)
- [Florida bills](https://policyrisk.com/states/florida/bills)
- [Florida state hub](https://policyrisk.com/states/florida)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/FL-SB1028-2026 (as of 2026-10-12).