---
type: "Bill"
title: "Citizens Property Insurance Corporation"
description: "Citizens Property Insurance Corporation; Prohibiting the corporation from issuing new coverage for commercial residential and commercial nonresidential risks under certain circumstances; requiring the corporation to establish a personal lines clearinghouse for specified purposes; revising the rights and responsibilities the corporation has in establishing the program; requiring that certain risk information be aggregated and deidentified; authorizing applicants or insureds to elect to accept coverage with authorized insurers or elect to accept or continue coverage with the corporation under certain circumstances, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2026"
identifier: "SB 1028"
citation: "Florida SB 1028 (2026)"
classification: ["bill"]
subjects: ["insurance"]
status: "enacted"
chapter_law: "2026-150"
primary_sponsors: ["Gruters"]
version_count: 5
action_count: 35
vote_count: 5
first_action: "2025-12-30"
last_action: "2026-06-17"
source: "openstates"
source_identifier: "ocd-bill/46efd0aa-beb1-4bbb-b03e-81d0b9965ac7"
source_url: "https://flsenate.gov/Session/Bill/2026/1028/ByCategory"
source_hash: "a7737be6ca5a6bbb58bb467e31dfd16271de860533a110fa48cf7c7fbbbd4170"
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 1028 (2026) — Citizens Property Insurance Corporation

Citizens Property Insurance Corporation; Prohibiting the corporation from issuing new coverage for commercial residential and commercial nonresidential risks under certain circumstances; requiring the corporation to establish a personal lines clearinghouse for specified purposes; revising the rights and responsibilities the corporation has in establishing the program; requiring that certain risk information be aggregated and deidentified; authorizing applicants or insureds to elect to accept coverage with authorized insurers or elect to accept or continue coverage with the corporation under certain circumstances, etc.

**Enacted** — Laws of Florida, Chapter 2026-150.

## Version chain

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

1. **S 1028 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2026/1028/BillText/Filed/HTML)
2. **S 1028 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2026/1028/BillText/c1/HTML)
3. **S 1028 c2** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2026/1028/BillText/c2/HTML)
4. **S 1028 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2026/1028/BillText/e1/HTML)
5. **S 1028 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2026/1028/BillText/er/HTML)

## Votes

- Favorable with Committee Substitute — **10–0** (pass) · upper
- Passage, Third Reading — **88–19** (pass) · lower
- Favorable — **11–0** (pass) · upper
- Favorable with Committee Substitute — **18–0** (pass) · upper
- Third Reading — **33–1** (pass) · upper

## Sponsors

- Banking and Insurance — primary (organization)
- Fiscal Policy — primary (organization)
- Gruters — primary (person)

## Timeline

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

- **2025-12-30** Filed `filing`
- **2026-01-07** Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy `referral-committee`
- **2026-01-08** On Committee agenda-- Banking and Insurance, 01/13/26, 4:00 pm, 412 Knott Building
- **2026-01-13** CS by Banking and Insurance; YEAS 10 NAYS 0
- **2026-01-13** Introduced `introduction`
- **2026-01-15** Pending reference review under Rule 4.7(2) - (Committee Substitute)
- **2026-01-16** Now in Appropriations Committee on Agriculture, Environment, and General Government
- **2026-01-22** CS by Banking and Insurance read 1st time
- **2026-01-30** On Committee agenda-- Appropriations Committee on Agriculture, Environment, and General Government, 02/04/26, 3:45 pm, 412 Knott Building
- **2026-02-04** Favorable by Appropriations Committee on Agriculture, Environment, and General Government; YEAS 11 NAYS 0 `committee-passage-favorable`
- **2026-02-05** Now in Fiscal Policy
- **2026-02-09** On Committee agenda-- Fiscal Policy, 02/12/26, 9:00 am, 110 Senate Building
- **2026-02-12** CS/CS by- Fiscal Policy; YEAS 18 NAYS 0
- **2026-02-16** Pending reference review -under Rule 4.7(2) - (Committee Substitute)
- **2026-02-16** Placed on Calendar, on 2nd reading
- **2026-02-18** CS/CS by Fiscal Policy read 1st time
- **2026-02-23** Placed on Special Order Calendar, 02/25/26
- **2026-02-25** Retained on Special Order Calendar
- **2026-02-26** Retained on Special Order Calendar
- **2026-03-04** Read 2nd time `reading-2`
- **2026-03-04** Amendment(s) adopted (241162)
- **2026-03-04** Read 3rd time `reading-3`
- **2026-03-04** CS passed as amended; YEAS 33 NAYS 1 `passage`
- **2026-03-05** In Messages
- **2026-03-05** Bill referred to House Calendar
- **2026-03-05** Bill added to Special Order Calendar (3/9/2026)
- **2026-03-05** 1st Reading (Engrossed 1) `reading-1`
- **2026-03-09** Read 2nd time `reading-2`
- **2026-03-09** Added to Third Reading Calendar
- **2026-03-09** Read 3rd time `reading-3`
- **2026-03-09** CS passed; YEAS 88, NAYS 19 `passage`
- **2026-03-17** Ordered enrolled `enrolled`
- **2026-06-15** Signed by Officers and presented to Governor `executive-receipt`
- **2026-06-16** Approved by Governor `executive-signature`
- **2026-06-17** Chapter No. 2026-150

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/46efd0aa-beb1-4bbb-b03e-81d0b9965ac7`. Confidence: reported (aggregated from official Florida legislature records).