---
type: "Bill"
title: "Homeowners' Insurance Policy Disclosures"
description: "Homeowners' Insurance Policy Disclosures"
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2018"
identifier: "HB 1011"
citation: "Florida HB 1011 (2018)"
classification: ["bill"]
subjects: ["macists"]
status: "enacted"
chapter_law: "2018-63"
primary_sponsors: ["Cruz"]
version_count: 4
action_count: 31
vote_count: 4
first_action: "2017-12-14"
last_action: "2018-03-22"
source: "openstates"
source_identifier: "ocd-bill/0e47db17-b585-4703-9d00-d76e5c23a7da"
source_url: "http://flsenate.gov/Session/Bill/2018/01011/ByCategory"
source_hash: "b28b2e91fbcca9145e85ad16606a350663108363e261dd8138b2b689dd562e06"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-fl"]
---

# Florida HB 1011 (2018) — Homeowners' Insurance Policy Disclosures

**Enacted** — Laws of Florida, Chapter 2018-63.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **H 1011 Filed** (filed) — [source](http://flsenate.gov/Session/Bill/2018/1011/BillText/Filed/PDF)
2. **H 1011 c1** (committee substitute) — [source](http://flsenate.gov/Session/Bill/2018/1011/BillText/c1/PDF)
3. **H 1011 c2** (committee substitute) — [source](http://flsenate.gov/Session/Bill/2018/1011/BillText/c2/PDF)
4. **H 1011 er** (enrolled) — [source](http://flsenate.gov/Session/Bill/2018/1011/BillText/er/PDF)

## Votes

- Favorable With Committee Substitute (Insurance & Banking Subcommittee) — **13–0** (pass) · lower
- Favorable With Committee Substitute (Commerce Committee) — **24–0** (pass) · lower
- Passage, Third Reading — **115–0** (pass) · lower
- Third Reading — **36–0** (pass) · upper

## Sponsors

- Cruz — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2017-12-14** Filed `filing`
- **2017-12-20** Referred to Insurance and Banking Subcommittee; Commerce Committee `referral-committee`
- **2018-01-08** On Committee agenda-- Insurance and Banking Subcommittee, 01/10/18, 12:00 pm, Sumner Hall
- **2018-01-09** Introduced `introduction`
- **2018-01-10** CS by Insurance and Banking Subcommittee; YEAS 13 NAYS 0
- **2018-01-12** Pending review of CS under Rule 7.18(c)
- **2018-01-12** CS by Insurance and Banking Subcommittee read 1st time
- **2018-01-16** Now in Commerce Committee
- **2018-01-30** On Committee agenda-- Commerce Committee, 02/01/18, 12:00 pm, Webster Hall
- **2018-02-01** CS/CS by- Commerce Committee; YEAS 24 NAYS 0
- **2018-02-02** Pending review of CS -under Rule 7.18(c)
- **2018-02-02** CS/CS by Commerce Committee read 1st time
- **2018-02-05** Placed on Calendar
- **2018-02-08** Placed on Special Order Calendar, 02/14/18
- **2018-02-14** Read 2nd time `reading-2`
- **2018-02-14** Read 3rd time `reading-3`
- **2018-02-14** CS passed; YEAS 115 NAYS 0 -HJ 571, 572 `passage`
- **2018-02-20** In Messages
- **2018-02-20** Referred to Banking and Insurance; Community Affairs; Rules `referral-committee`
- **2018-02-21** Received
- **2018-03-01** Withdrawn from Banking and Insurance; Community Affairs; Rules `withdrawal`
- **2018-03-01** Placed on Calendar, on 2nd reading
- **2018-03-01** Substituted for CS/SB 1282
- **2018-03-01** Read 2nd time `reading-2`
- **2018-03-01** Placed on 3rd reading
- **2018-03-02** Read 3rd time `reading-3`
- **2018-03-02** CS passed; YEAS 36 NAYS 0 `passage`
- **2018-03-02** Ordered enrolled
- **2018-03-14** Signed by Officers and presented to Governor
- **2018-03-21** Approved by Governor `executive-signature`
- **2018-03-22** Chapter No. 2018-63

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/0e47db17-b585-4703-9d00-d76e5c23a7da`. Confidence: reported (aggregated from official Florida legislature records).