SB 1028 became law in 2026. The Florida Senate record shows gubernatorial approval on June 16, 2026 and chapter number 2026-150. The final summary addresses Citizens eligibility and clearinghouse arrangements. Earlier drafts and summaries should not be treated as the final requirements. Official SB 1028 record and enacted text.
What changed in this guide
An earlier version described the bill as awaiting the Governor and presented specific implementation assumptions. This revision replaces those statements with the verified legislative status. It does not claim that every commercial policy will transfer on a single date.
Questions for a commercial policyholder
Start with the policy and correspondence for the business concerned. Ask the agent to identify the applicable program and explain any proposed change in writing.
- Does this communication concern a new application, renewal, or assumption of an existing policy?
- Which insurer would issue the replacement coverage?
- Which limits, exclusions, deductibles, forms, and dates would change?
- What action must the policyholder take, by what deadline, and how will receipt be confirmed?
- Which provisions of the enacted law or current Citizens instructions support that answer?
Citizens maintains separate information for personal and commercial depopulation. Use the relevant program materials rather than applying a residential example to a commercial building. Citizens depopulation overview.
Keep the decision tied to the actual offer
Save the notice, comparison worksheet, written questions, and response confirmation together. Do not cancel existing insurance based solely on a blog summary. Have a licensed professional explain how the proposed dates relate to current coverage.
This page is an educational reading guide, not a legal opinion about an individual policy or a quotation from an insurer.