| Old | New | Differences | |
|---|---|---|---|
| 1 | 1 | ||
| 2 | 2 | ||
| 3 | 3 | EXPLANATION: CAPITALS INDICATE MAT TER ADDED TO EXISTIN G LAW. | |
| 4 | 4 | [Brackets] indicate matter deleted from existing law. | |
| 5 | 5 | Underlining indicates amendments to bill. | |
| 6 | 6 | Strike out indicates matter stricken from the bill by amendment or deleted from the law by | |
| 7 | 7 | amendment. | |
| 8 | - | Italics indicate opposite chamber/conference committee amendments. | |
| 9 | 8 | *hb1148* | |
| 10 | 9 | ||
| 11 | 10 | HOUSE BILL 1148 | |
| 12 | - | C4 (5lr3090) | |
| 13 | - | ENROLLED BILL | |
| 14 | - | — Economic Matters/Finance — | |
| 15 | - | Introduced by Delegates Wivell, Baker, Hinebaugh, and Valentine | |
| 11 | + | C4 5lr3090 | |
| 16 | 12 | ||
| 17 | - | Read and Examined by Proofreaders: | |
| 18 | - | ||
| 19 | - | _______________________________________________ | |
| 20 | - | Proofreader. | |
| 21 | - | _______________________________________________ | |
| 22 | - | Proofreader. | |
| 23 | - | ||
| 24 | - | Sealed with the Great Seal and presented to the Governor, for his approval this | |
| 25 | - | ||
| 26 | - | _______ day of _______________ at __ ______________________ o’clock, ________M. | |
| 27 | - | ||
| 28 | - | ______________________________________________ | |
| 29 | - | Speaker. | |
| 13 | + | By: Delegates Wivell, Baker, Hinebaugh, and Valentine | |
| 14 | + | Introduced and read first time: February 6, 2025 | |
| 15 | + | Assigned to: Economic Matters | |
| 16 | + | Committee Report: Favorable with amendments | |
| 17 | + | House action: Adopted | |
| 18 | + | Read second time: March 6, 2025 | |
| 30 | 19 | ||
| 31 | 20 | CHAPTER ______ | |
| 32 | 21 | ||
| 33 | 22 | AN ACT concerning 1 | |
| 34 | 23 | ||
| 35 | - | Property and Casualty Homeowner’s and Renter’s | |
| 36 | - | ||
| 24 | + | Property and Casualty Homeowner’s and Renter’s Insurance – Lapses in 2 | |
| 25 | + | Coverage – Prohibition on Denial 3 | |
| 37 | 26 | ||
| 38 | 27 | FOR the purpose of prohibiting a property and casualty an insurer, with respect to 4 | |
| 39 | - | homeowner’s insurance or renter’s residential condominium unit insurance, from 5 | |
| 40 | - | denying coverage based refusing to issue a policy based solely on a prior lapse in 6 | |
| 41 | - | coverage of the applicant under certain circumstances; authorizing a property and 7 | |
| 42 | - | casualty insurer to require an applicant to submit a certain affidavit; and generally 8 | |
| 43 | - | relating to property and casualty homeowner’s and renter’s residential condominium 9 | |
| 44 | - | unit insurance. 10 | |
| 28 | + | homeowner’s insurance or renter’s insurance, from denying coverage based on a prior 5 | |
| 29 | + | lapse in coverage of the applicant under certain circumstances; authorizing a 6 | |
| 30 | + | property and casualty insurer to require an applicant to submit a certain affidavit; 7 | |
| 31 | + | and generally relating to property and casualty homeowner’s and renter’s insurance. 8 | |
| 45 | 32 | ||
| 46 | - | BY adding to 11 | |
| 47 | - | Article – Insurance 12 | |
| 48 | - | Section 27–501(u) 13 | |
| 49 | - | Annotated Code of Maryland 14 2 HOUSE BILL 1148 | |
| 33 | + | BY adding to 9 | |
| 34 | + | Article – Insurance 10 | |
| 35 | + | Section 27–501(u) 11 | |
| 36 | + | Annotated Code of Maryland 12 | |
| 37 | + | (2017 Replacement Volume and 2024 Supplement) 13 | |
| 38 | + | ||
| 39 | + | SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF MARYLAND, 14 | |
| 40 | + | That the Laws of Maryland read as follows: 15 | |
| 41 | + | ||
| 42 | + | Article – Insurance 16 | |
| 43 | + | ||
| 44 | + | 27–501. 17 | |
| 45 | + | ||
| 46 | + | (U) (1) WITH RESPECT TO PROPERTY AND CASUALT Y HOMEOWNER ’S 18 | |
| 47 | + | INSURANCE OR RENTER ’S INSURANCE, AN INSURER MAY NOT D ENY COVERAGE 19 2 HOUSE BILL 1148 | |
| 50 | 48 | ||
| 51 | 49 | ||
| 52 | - | (2017 Replacement Volume and 2024 Supplement) 1 | |
| 50 | + | BASED ON A PRIOR LAP SE IN COVERAGE OF TH E APPLICANT IF THE L APSE IN 1 | |
| 51 | + | COVERAGE WAS : 2 | |
| 53 | 52 | ||
| 54 | - | SECTION 1. BE IT ENACTED BY THE GENERAL ASSEMBLY OF MARYLAND, 2 | |
| 55 | - | That the Laws of Maryland read as follows: 3 | |
| 53 | + | (1) (I) DUE TO THE CHOICE OF THE APPLICANT ; AND 3 | |
| 56 | 54 | ||
| 57 | - | Article – Insurance 4 | |
| 55 | + | (2) (II) NOT DUE TO LOSSES IN CURRED BY OR THE CLA IMS HISTORY 4 | |
| 56 | + | OF THE APPLICAN T. 5 | |
| 58 | 57 | ||
| 59 | - | 27–501. 5 | |
| 58 | + | (2) AN INSURER MAY REQUIR E THAT AN APPLICANT SUBMIT AN 6 | |
| 59 | + | AFFIDAVIT STATING TH AT THE APPLICANT DID NOT INCUR A LOSS DUR ING THE 7 | |
| 60 | + | PRIOR LAPSE IN COVER AGE. 8 | |
| 60 | 61 | ||
| 61 | - | (U) (1) WITH RESPECT TO PROPE RTY AND CASUALTY HOMEOWNER ’S 6 | |
| 62 | - | INSURANCE OR RENTER ’S INSURANCE, AN INSURER MAY NOT D ENY COVERAGE 7 | |
| 63 | - | BASED ON A PRIOR LAP SE IN COVERAGE OF TH E APPLICANT IF THE LAPSE IN 8 | |
| 64 | - | COVERAGE WAS : 9 | |
| 62 | + | SECTION 2. AND BE IT FURTHER ENACTED, That this Act shall take effect 9 | |
| 63 | + | October 1, 2025. 10 | |
| 65 | 64 | ||
| 66 | - | (1) (I) DUE TO THE CHOICE OF THE APPLICANT ; AND 10 | |
| 67 | 65 | ||
| 68 | - | (2) (II) NOT DUE TO LOSSES IN CURRED BY OR THE CLA IMS HISTORY 11 | |
| 69 | - | OF THE APPLICANT . 12 | |
| 70 | 66 | ||
| 71 | - | (2) AN INSURER MAY REQUIR E THAT AN APPLICANT SUBMIT AN 13 | |
| 72 | - | AFFIDAVIT STATING TH AT THE APPLICANT DID NOT INCUR A LOSS DURING THE 14 | |
| 73 | - | PRIOR LAPSE IN COVER AGE IF AN APPLICANT FOR R ESIDENTIAL CONDOMINI UM 15 | |
| 74 | - | UNIT INSURANCE EXPER IENCES A LAPSE IN CO VERAGE OF THE APPLIC ANT’S PRIOR 16 | |
| 75 | - | RESIDENTIAL CONDOMIN IUM UNIT DUE TO AN I NSURER’S WITHDRAWAL FROM TH E 17 | |
| 76 | - | MARKET, AN INSURER FROM WHOM THE AP PLICANT SEEKS NEW RE SIDENTIAL 18 | |
| 77 | - | CONDOMINIUM UNIT COV ERAGE MAY NOT REFUSE TO ISSUE A POLICY BA SED SOLELY 19 | |
| 78 | - | ON THE APPLICANT ’S LAPSE IN COVERAGE ON THE UNIT IF: 20 | |
| 79 | 67 | ||
| 80 | - | (1) THE LAPSE IN COVERAG E WAS FOR NOT LONGER THAN 90 DAYS; 21 | |
| 81 | - | ||
| 82 | - | (2) IF REQUIRED BY THE NEW INSURER , THE APPLICANT PROVID ES AN 22 | |
| 83 | - | AFFIDAVIT THAT THE A PPLICANT HAS NOT INC URRED ANY LOSSES DUR ING THE 23 | |
| 84 | - | LAPSE IN COVERAGE ; AND 24 | |
| 85 | - | ||
| 86 | - | (3) THE APPLICANT PROVID ES ANY OTHER DOCUMEN TATION 25 | |
| 87 | - | REQUIRED BY THE INSU RER. 26 | |
| 88 | - | ||
| 89 | - | SECTION 2. AND BE IT FURTHER ENACTED, That Section 1 of this Act shall 27 | |
| 90 | - | apply to new residential condominium unit insurance policies issued on or after January 1, 28 | |
| 91 | - | 2026. 29 | |
| 92 | - | ||
| 93 | - | SECTION 2. 3. AND BE IT FURTHER ENACTED, That this Act shall take effect 30 | |
| 94 | - | October 1, 2025. 31 | |
| 68 | + | Approved: | |
| 69 | + | ________________________________________________________________________________ | |
| 70 | + | Governor. | |
| 71 | + | ________________________________________________________________________________ | |
| 72 | + | Speaker of the House of Delegates. | |
| 73 | + | ________________________________________________________________________________ | |
| 74 | + | President of the Senate. |