Bill Blocking Citizens Insurance Policies for Noncompliant Condos Advances in Florida House

A bill that could significantly impact Florida's condominium owners has moved forward in the state's House of Representatives. The proposed legislation aims to prevent Citizens Property Insurance Corp. from issuing new policies to condominium associations that do not comply with mandatory inspection and reserve requirements. This move comes as part of broader efforts to enhance the safety and financial stability of condominiums following the tragic collapse of the Champlain Towers South in Surfside in 2021.

The bill, which was discussed and advanced on March 11, 2025, seeks to ensure that condo associations adhere to the state's regulations designed to prevent future disasters. Under the proposed law, associations that fail to meet these standards will be ineligible for new insurance policies from Citizens, Florida's insurer of last resort. This measure is intended to motivate associations to maintain their properties properly and to keep adequate reserve funds.

Critics of the bill argue that it may disproportionately affect smaller or financially struggling associations, potentially leaving them without viable insurance options. Supporters, however, believe it is a necessary step to protect residents and prevent another tragedy like the one in Surfside. The bill's progress through the House indicates a strong legislative push towards stricter enforcement of condo safety and financial regulations.

The next steps for the bill include further review and possible amendments before it can be sent to the Florida Senate for consideration. As the legislative session continues, the impact of this bill on Florida's condo market and the state's insurance landscape remains a topic of keen interest and debate.

• Champlain Towers South
• Citizens Property Insurance Corp.
• Florida