---
type: "Bill"
title: "Insurance"
description: "Insurance; Prohibiting certain practices by contractors; prohibiting a contractor from executing a contract with a residential property owner for a roofing repair or replacement unless certain notice is included; requiring property insurers, effective a certain date, to include certain data regarding closed claims in their annual reports to the Office of Insurance Regulation; requiring the Property Insurance Corporation to include the costs of catastrophe reinsurance to its projected 100-year probable maximum loss in its rate calculations even if the corporation does not purchase such reinsurance, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2021"
identifier: "SB 76"
citation: "Florida SB 76 (2021)"
classification: ["bill"]
subjects: []
status: "enacted"
chapter_law: "2021-77"
primary_sponsors: ["Boyd"]
version_count: 6
action_count: 64
vote_count: 10
first_action: "2021-01-25"
last_action: "2021-06-14"
source: "openstates"
source_identifier: "ocd-bill/c996fea3-f102-4364-9a0c-d5161c60f130"
source_url: "https://flsenate.gov/Session/Bill/2021/76/ByCategory"
source_hash: "3d3e1555106c52ca6bb43615f9be291d59defb0b1f55e5a355de4980a661088b"
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 SB 76 (2021) — Insurance

Insurance; Prohibiting certain practices by contractors; prohibiting a contractor from executing a contract with a residential property owner for a roofing repair or replacement unless certain notice is included; requiring property insurers, effective a certain date, to include certain data regarding closed claims in their annual reports to the Office of Insurance Regulation; requiring the Property Insurance Corporation to include the costs of catastrophe reinsurance to its projected 100-year probable maximum loss in its rate calculations even if the corporation does not purchase such reinsurance, etc.

**Enacted** — Laws of Florida, Chapter 2021-77.

## Version chain

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

1. **S 76 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2021/76/BillText/Filed/HTML)
2. **S 76 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2021/76/BillText/c1/HTML)
3. **S 76 c2** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2021/76/BillText/c2/HTML)
4. **S 76 c3** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2021/76/BillText/c3/HTML)
5. **S 76 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2021/76/BillText/e1/HTML)
6. **S 76 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2021/76/BillText/er/HTML)

## Votes

- Third Reading — **27–13** (pass) · upper
- A - 945980, Amendment, Second Reading — **16–24** (fail) · upper
- Favorable with Committee Substitute — **7–3** (pass) · upper
- Favorable with Committee Substitute — **9–3** (pass) · upper
- AA - 461493, Adoption — **40–77** (fail) · lower
- Passage, Third Reading — **74–43** (pass) · lower
- Passage — **75–41** (pass) · lower
- Returning Messages — **35–5** (pass) · upper
- Favorable with Committee Substitute — **12–5** (pass) · upper
- A - 642438, Amendment, Second Reading — **15–25** (fail) · upper

## Sponsors

- Boyd — primary (person)

## Timeline

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

- **2021-01-25** Filed `filing`
- **2021-01-25** Referred to Banking and Insurance; Judiciary; Rules `referral-committee`
- **2021-01-25** On Committee agenda-- Banking and Insurance, 02/02/21, 3:30 pm, 412 Knott Building
- **2021-02-02** CS by Banking and Insurance; YEAS 9 NAYS 3
- **2021-02-04** Pending reference review under Rule 4.7(2) - (Committee Substitute)
- **2021-02-04** Now in Judiciary
- **2021-03-02** Introduced `introduction`
- **2021-03-02** CS by Banking and Insurance read 1st time
- **2021-03-04** On Committee agenda-- Judiciary, 03/09/21, 11:45 am, 412 Knott Building
- **2021-03-09** CS/CS by Judiciary; YEAS 7 NAYS 3
- **2021-03-10** Pending reference review under Rule 4.7(2) - (Committee Substitute)
- **2021-03-11** Now in Rules
- **2021-03-11** CS/CS by Judiciary read 1st time
- **2021-03-15** On Committee agenda-- Rules, 03/18/21, 9:00 am, 412 Knott Building --Amendment(s) Adopted - Temporarily Postponed
- **2021-03-22** On Committee agenda-- Rules, 03/25/21, 9:00 am, 412 Knott Building
- **2021-03-25** CS/CS/CS by- Rules; YEAS 12 NAYS 5
- **2021-03-29** Pending reference review -under Rule 4.7(2) - (Committee Substitute)
- **2021-03-29** Placed on Calendar, on 2nd reading
- **2021-03-29** Placed on Special Order Calendar, 04/01/21
- **2021-03-30** CS/CS/CS by Rules read 1st time
- **2021-04-01** Read 2nd time `reading-2`
- **2021-04-01** Amendment(s) failed (109786, 170778, 178782, 302432, 354868, 445616, 562652, 642438, 689562, 945980)
- **2021-04-01** Placed on 3rd reading
- **2021-04-07** Read 3rd time `reading-3`
- **2021-04-07** CS passed; YEAS 27 NAYS 13 `passage`
- **2021-04-07** Immediately certified
- **2021-04-07** In Messages
- **2021-04-26** Bill referred to House Calendar
- **2021-04-26** Bill added to Special Order Calendar (4/27/2021)
- **2021-04-26** 1st Reading (Committee Substitute 3)
- **2021-04-27** Amendment 609289 filed
- **2021-04-27** Amendment 334081 filed
- **2021-04-27** Amendment 604993 filed
- **2021-04-27** Amendment 792963 filed
- **2021-04-27** Read 2nd time `reading-2`
- **2021-04-27** Amendment 609289 Failed
- **2021-04-27** Amendment 604993 Failed
- **2021-04-27** Amendment 792963 Failed
- **2021-04-27** Amendment 334081 adopted
- **2021-04-27** Placed on 3rd reading
- **2021-04-27** Added to Third Reading Calendar
- **2021-04-28** Read 3rd time `reading-3`
- **2021-04-28** CS passed as amended; YEAS 74, NAYS 43 `passage`
- **2021-04-28** In returning messages
- **2021-04-28** Message sent to senate
- **2021-04-30** Amendment(s) to House amendment(s) adopted (240104)
- **2021-04-30** Amendment(s) to House amendment(s) failed (597028)
- **2021-04-30** Amendment(s) reconsidered, adopted as amended (240104)
- **2021-04-30** Concurred in House amendment(s) as amended (334081)
- **2021-04-30** CS passed as amended; YEAS 35 NAYS 5 `passage`
- **2021-04-30** In Messages
- **2021-04-30** Amendment 461493 filed
- **2021-04-30** Added to Senate Message List
- **2021-04-30** Amendment 461493 Failed
- **2021-04-30** Amendment 323722 Concur
- **2021-04-30** Amendment 771120 Concur
- **2021-04-30** Concurred in Senate amendment 240104 as amended
- **2021-04-30** Concurred in Senate amendment(s) to House amendment(s)
- **2021-04-30** CS passed as amended; YEAS 75, NAYS 41 `passage`
- **2021-04-30** Ordered engrossed, then enrolled
- **2021-04-30** Message sent to senate
- **2021-06-09** Signed by Officers and presented to Governor
- **2021-06-11** Approved by Governor `executive-signature`
- **2021-06-14** Chapter No. 2021-77, companion bill(s) passed, see CS/CS/SB 1598 (Ch. 2021-104)

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c996fea3-f102-4364-9a0c-d5161c60f130`. Confidence: reported (aggregated from official Florida legislature records).