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MarylandHB 11482025 Regular SessionHouseWALLET

Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial

Sponsored By: William J. Wivell (Republican)

Signed by Governor

Insurance - Other than HealthClaimsCondominiumsInsurance -see also- Health Ins; MAIF; Motor Vehicle InsLeases and RentReal PropertyResidential Property -see also- Apartments; CondominiumsTime

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Protection after short condo insurance gaps

Maryland insurers cannot deny new condo unit coverage solely because of a qualifying gap in prior coverage. The gap must follow an insurer leaving the condo insurance market and last 90 days or less. Applicants must provide required documents, including a sworn statement that no losses occurred during the gap, if requested. Insurers can still deny coverage for other reasons. The law took effect October 1, 2025, and applies to new policies issued on or after January 1, 2026.

Sponsors & Cosponsors

Sponsor

  • William J. Wivell

    Republican • House

Cosponsors

  • Terry L. Baker

    Republican • House

  • Jim Hinebaugh

    Republican • House

  • William Valentine

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 322 • No: 0

House vote • 4/7/2025

Third Reading Passed

Yes: 138 • No: 0 • Other: 2

Senate vote • 4/4/2025

Third Reading Passed

Yes: 45 • No: 0 • Other: 1

House vote • 3/17/2025

Third Reading Passed

Yes: 139 • No: 0

Actions Timeline

  1. Approved by the Governor - Chapter 381

    5/6/2025

  2. Passed Enrolled

    4/7/2025House

  3. Third Reading Passed (138-0)

    4/7/2025House

  4. House Concurs Senate Amendments

    4/7/2025House

  5. Senate Refuses Recede

    4/7/2025Senate

  6. House Conference Committee Appointed (Delegates Wivell, Qi and Amprey)

    4/7/2025Senate

  7. House Requests Senate Recede

    4/7/2025Senate

  8. House Refuses Concur Senate Amendments

    4/7/2025Senate

  9. House Conference Committee Appointed (Delegates Wivell, Qi and Amprey)

    4/5/2025House

  10. House Requests Senate Recede

    4/5/2025House

  11. House Refuses Concur Senate Amendments

    4/5/2025House

  12. Third Reading Passed (45-0)

    4/4/2025Senate

  13. Second Reading Passed with Amendments

    4/4/2025Senate

  14. Favorable with Amendments {743229/1 Adopted

    4/4/2025Senate

  15. Favorable with Amendments Report by Finance

    4/4/2025Senate

  16. Hearing 3/27 at 1:00 p.m.

    3/20/2025Senate

  17. Referred Finance

    3/17/2025Senate

  18. Third Reading Passed (139-0)

    3/17/2025House

  19. Second Reading Passed with Amendments

    3/15/2025House

  20. Favorable with Amendments {633221/1 Adopted

    3/15/2025House

  21. Favorable with Amendments Report by Economic Matters

    3/15/2025House

  22. Hearing 2/19 at 1:00 p.m.

    2/6/2025House

  23. First Reading Economic Matters

    2/6/2025House

Bill Text

  • Enacted

    5/6/2025

    PDF

  • Enrolled

    4/7/2025

    PDF

  • Third Reading

    3/15/2025

    PDF

  • First Reading

    2/6/2025

    PDF

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