---
type: "Bill"
title: "Property Insurance"
description: "Property Insurance; Creating the Florida Optional Reinsurance Assistance program (FORA), to be administered by the State Board of Administration; authorizing eligible insurers to purchase reinsurance coverage under FORA; providing that property insurers may be subject to an additional market conduct examination by the Office of Insurance Regulation after a hurricane under certain circumstances; specifying conditions that must be met for a property insurance policy to require mandatory binding arbitration; prohibiting policyholders from assigning post-loss insurance benefits under residential or commercial property insurance policies issued on or after a specified date, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2022A"
identifier: "SB 2A"
citation: "Florida SB 2A (2022A)"
classification: ["bill"]
subjects: ["appropriations", "insurance", "taxation and finance", "torts"]
status: "enacted"
chapter_law: "2022-271"
primary_sponsors: ["Boyd"]
version_count: 2
action_count: 31
vote_count: 9
first_action: "2022-12-09"
last_action: "2022-12-16"
source: "openstates"
source_identifier: "ocd-bill/713fc557-b0dd-4487-a83d-fd6e3f44806e"
source_url: "https://flsenate.gov/Session/Bill/2022A/2A/ByCategory"
source_hash: "b4fdfd1f8460004369027067fb9bdd97856957b69f204c8faae0d0a3f17d85ab"
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 2A (2022A) — Property Insurance

Property Insurance; Creating the Florida Optional Reinsurance Assistance program (FORA), to be administered by the State Board of Administration; authorizing eligible insurers to purchase reinsurance coverage under FORA; providing that property insurers may be subject to an additional market conduct examination by the Office of Insurance Regulation after a hurricane under certain circumstances; specifying conditions that must be met for a property insurance policy to require mandatory binding arbitration; prohibiting policyholders from assigning post-loss insurance benefits under residential or commercial property insurance policies issued on or after a specified date, etc.

**Enacted** — Laws of Florida, Chapter 2022-271.

## Version chain

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

1. **S 2A Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2022A/2A/BillText/Filed/HTML)
2. **S 2A er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2022A/2A/BillText/er/HTML)

## Votes

- A - 658884, Amendment, Second Reading — **12–26** (fail) · upper
- Passage, Third Reading — **84–33** (pass) · lower
- A - 050303, Adoption, Second Reading — **32–84** (fail) · lower
- Third Reading — **27–13** (pass) · upper
- A - 951137, Adoption, Second Reading — **33–82** (fail) · lower
- A - 938406, Amendment, Second Reading — **11–29** (fail) · upper
- Favorable — **9–3** (pass) · upper
- A - 674763, Adoption, Second Reading — **32–84** (fail) · lower
- Favorable — **15–5** (pass) · upper

## Sponsors

- Boyd — primary (person)

## Timeline

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

- **2022-12-09** Filed `filing`
- **2022-12-09** Referred to Banking and Insurance; Fiscal Policy `referral-committee`
- **2022-12-09** On Committee agenda-- Banking and Insurance, 12/12/22, 12:00 pm, 412 Knott Building
- **2022-12-12** Favorable by Banking and Insurance; YEAS 9 NAYS 3 `committee-passage-favorable`
- **2022-12-12** Now in Fiscal Policy
- **2022-12-12** On Committee agenda-- Fiscal Policy, 12/12/22, 3:00 pm, 412 Knott Building
- **2022-12-12** Favorable by- Fiscal Policy; YEAS 15 NAYS 5 `committee-passage-favorable`
- **2022-12-12** Placed on Calendar, on 2nd reading
- **2022-12-12** Placed on Special Order Calendar, 12/13/22
- **2022-12-12** Introduced `introduction`
- **2022-12-13** Read 2nd time `reading-2`
- **2022-12-13** Amendment(s) failed (938406, 213342, 733204, 279842, 123478, 353138, 856854, 777772, 619600, 862706, 551146, 847224, 786778, 172138, 652232, 130902, 658884, 757448, 533310)
- **2022-12-13** Read 3rd time `reading-3`
- **2022-12-13** Passed; YEAS 27 NAYS 13 `passage`
- **2022-12-13** In Messages
- **2022-12-13** Bill referred to House Calendar
- **2022-12-13** Bill added to Special Order Calendar (12/14/2022)
- **2022-12-13** 1st Reading (Original Filed Version) `filing, reading-1`
- **2022-12-14** Read 2nd time `reading-2`
- **2022-12-14** Amendment 798733 Failed
- **2022-12-14** Amendment 333927 Failed
- **2022-12-14** Amendment 951137 Failed
- **2022-12-14** Amendment 050303 Failed
- **2022-12-14** Amendment 898933 Failed
- **2022-12-14** Amendment 674763 Failed
- **2022-12-14** Read 3rd time `reading-3`
- **2022-12-14** Passed; YEAS 84, NAYS 33 `passage`
- **2022-12-14** Ordered enrolled `enrolled`
- **2022-12-14** Signed by Officers and presented to Governor `executive-receipt`
- **2022-12-16** Approved by Governor `executive-signature`
- **2022-12-16** Chapter No. 2022-271

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/713fc557-b0dd-4487-a83d-fd6e3f44806e`. Confidence: reported (aggregated from official Florida legislature records).