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HB 13

Windstorm Coverage by Citizens Property Insurance Corporation

2025 Regular Session Introduced by Hillary Cassel and 3 co-sponsors

Bill modifies Citizens Property Insurance windstorm coverage terms, affecting 1.3M Florida policyholders' hurricane protection and potential premium costs during high-risk seasons.

Withdrawn prior to introduction
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WeVote Research Nonpartisan
Bill Summary · HB 13

Legislative bill overview

HB 13 would modify how Citizens Property Insurance Corporation, Florida's insurer of last resort, handles windstorm coverage for residential properties. The bill addresses the scope and terms of windstorm protection that Citizens must provide to policyholders in the state. This represents an attempt to clarify or expand Citizens' obligations during hurricane and tropical storm events.

Why is this important

Citizens Property Insurance Corporation is the largest property insurer in Florida and covers roughly 1.3 million policies—often insuring properties that private insurers won't take due to risk. Changes to Citizens' windstorm coverage directly affect hundreds of thousands of Floridians' insurance protection during the state's peak hurricane season (June-November). The financial health of Citizens also has spillover effects on property tax rates statewide, as insurers can impose assessments on all policyholders if the company faces catastrophic losses.

Potential points of contention

  • Cost implications: Expanding windstorm coverage could increase premiums for Citizens policyholders or require higher insolvency reserves, affecting affordability in a state already experiencing insurance affordability crises
  • Market dynamics: Changes to Citizens' coverage terms could influence whether private insurers re-enter the market or whether they further limit their Florida operations, given Citizens covers the riskiest properties
  • Definition and scope disputes: The specific windstorm coverage terms (deductibles, exclusions, covered perils) likely face disagreement between consumer advocates seeking broader protection and industry stakeholders concerned about costs

Compiled from official sources — confirm details with the bill’s official record.

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