# Maryland HB 1148: Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial

Maryland HB 1148, Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial, is a 2025 Regular Session House bill sponsored by William J. Wivell (Republican); status signed, last action 2025-05-06 (Approved by the Governor - Chapter 381); PRIA reads it as touching household money (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/MD-HB1148-2025RS
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Maryland HB 1148
- State: Maryland
- Session: 2025 Regular Session
- Title: Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial
- Status: signed
- Chamber: House
- Introduced: 2025-02-06
- Last action: 2025-05-06, Approved by the Governor - Chapter 381
- Sponsor: William J. Wivell (Republican)
- Cosponsors: 3
- Subjects: Insurance - Other than Health, Claims, Condominiums, Insurance -see also- Health Ins; MAIF; Motor Vehicle Ins, Leases and Rent, Real Property, Residential Property -see also- Apartments; Condominiums, Time
- Touches household money: yes
- Roll calls: 3 (322 yes, 0 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Protection after short condo insurance gaps: benefit, low. 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 dur…

## Sponsors and cosponsors

- Sponsor: William J. Wivell (Republican), House
- Cosponsor: Terry L. Baker (Republican), House
- Cosponsor: Jim Hinebaugh (Republican), House
- Cosponsor: William Valentine (Republican), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-04-07 | House | Third Reading Passed | pass | 138 | 0 | 2 |
| 2025-04-04 | Senate | Third Reading Passed | pass | 45 | 0 | 1 |
| 2025-03-17 | House | Third Reading Passed | pass | 139 | 0 |   |

## Actions (23)

- 2025-05-06: Approved by the Governor - Chapter 381
- 2025-04-07: Passed Enrolled (House)
- 2025-04-07: Third Reading Passed (138-0) (House)
- 2025-04-07: House Concurs Senate Amendments (House)
- 2025-04-07: Senate Refuses Recede (Senate)
- 2025-04-07: House Conference Committee Appointed (Delegates Wivell, Qi and Amprey) (Senate)
- 2025-04-07: House Requests Senate Recede (Senate)
- 2025-04-07: House Refuses Concur Senate Amendments (Senate)
- 2025-04-05: House Conference Committee Appointed (Delegates Wivell, Qi and Amprey) (House)
- 2025-04-05: House Requests Senate Recede (House)
- 2025-04-05: House Refuses Concur Senate Amendments (House)
- 2025-04-04: Third Reading Passed (45-0) (Senate)
- 2025-04-04: Second Reading Passed with Amendments (Senate)
- 2025-04-04: Favorable with Amendments {743229/1 Adopted (Senate)
- 2025-04-04: Favorable with Amendments Report by Finance (Senate)
- 2025-03-20: Hearing 3/27 at 1:00 p.m. (Senate)
- 2025-03-17: Referred Finance (Senate)
- 2025-03-17: Third Reading Passed (139-0) (House)
- 2025-03-15: Second Reading Passed with Amendments (House)
- 2025-03-15: Favorable with Amendments {633221/1 Adopted (House)
- 2025-03-15: Favorable with Amendments Report by Economic Matters (House)
- 2025-02-06: Hearing 2/19 at 1:00 p.m. (House)
- 2025-02-06: First Reading Economic Matters (House)

## Bill text

- Enacted, 2025-05-06: [PDF](https://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_381_hb1148e.pdf)
- Enrolled, 2025-04-07: [PDF](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1148e.pdf)
- Third Reading, 2025-03-15: [PDF](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1148t.pdf)
- First Reading, 2025-02-06: [PDF](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1148f.pdf)

## Related bills

- HB 0384: Maryland Disability Service Animal Program - Established (vetoed)
- SB 0227: Workers' Compensation - Payment From Uninsured Employers' Fund - Revisions (vetoed)
- HB 0482: Occupational Licensing and Certification - Criminal History - Predetermination Review Process (vetoed)
- SB 0157: Maryland Disability Service Animal Program - Established (vetoed)
- HB 1294: Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization (became law)
- HB 0228: Maryland Veterans Trust – Assistance to Members of the Maryland National Guard (signed)

## Sources
- [Enacted (PDF)](https://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_381_hb1148e.pdf)
- [Enrolled (PDF)](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1148e.pdf)
- [Third Reading (PDF)](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1148t.pdf)
- [First Reading (PDF)](https://mgaleg.maryland.gov/2025RS/bills/hb/hb1148f.pdf)

## Related
- [HB 0384: Maryland Disability Service Animal Program - Established](https://policyrisk.com/state-bill/MD-HB0384-2025RS)
- [SB 0227: Workers' Compensation - Payment From Uninsured Employers' Fund - Revisions](https://policyrisk.com/state-bill/MD-SB0227-2025RS)
- [HB 0482: Occupational Licensing and Certification - Criminal History - Predetermination…](https://policyrisk.com/state-bill/MD-HB0482-2025RS)
- [SB 0157: Maryland Disability Service Animal Program - Established](https://policyrisk.com/state-bill/MD-SB0157-2025RS)
- [HB 1294: Commercial Law - Credit Regulation - Earned Wage Access and Credit Modernization](https://policyrisk.com/state-bill/MD-HB1294-2025RS)
- [HB 0228: Maryland Veterans Trust – Assistance to Members of the Maryland National Guard](https://policyrisk.com/state-bill/MD-HB0228-2025RS)
- [Maryland bills](https://policyrisk.com/states/maryland/bills)
- [Maryland state hub](https://policyrisk.com/states/maryland)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/MD-HB1148-2025RS (as of 2026-10-17).