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HB 1148

Enacted
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Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial

Sponsor: William J. Wivell (District 2A)Committee: Economic MattersSubject: Insurance - Other than HealthStatus: Approved by the Governor - Chapter 381 (as of Dec 1, 2025)

What this bill does

Official synopsis

Prohibiting an insurer, with respect to residential condominium unit insurance, from refusing to issue a policy based solely on a prior lapse in coverage of the applicant if the lapse was due to an insurer's withdrawal from the market, the lapse in coverage was for no longer than 90 days, the applicant provides an affidavit that the applicant has not incurred any losses during the lapse in coverage, and the applicant provides any other documentation required by the insurer.

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Analysis reads the bill text, the fiscal note, and the witness list. It is generated by Claude and reviewed by nobody, so check the source documents before you rely on it.

Testimony (0)

MGA witness list
FAV 3FavorableUNF 5UnfavorableINFO 2Information only
PositionWitnessOrganizationTestimony
FAVHudson, LeeDelaware-Maryland Synod, ELCAPosition only
FAVDelegate Wivell, Delegate WivelllegislatorIndividualOral
FAVDelegate Wivell, Delegate WivelllegislatorIndividualOral
UNFEgan, NancylobbyistAmerican Property & Casualty Insurance AssociationOral + Written (PDF)
UNFEgan, NancylobbyistAmerican Property & Casualty Insurance AssociationOral + Written (PDF)
UNFPopham, BrysonlobbyistBryson F. Popham, P.A.Oral + Written (PDF)
UNFEnten, robertMaryland Building Industry AssocOral
UNFEnten, robertMaryland Building Industry AssocOral
INFOGrant, MarieMaryland Insurance AdministrationWritten (PDF)
INFOGrant, MarieMaryland Insurance AdministrationWritten (PDF)

Organizations on record

Registered lobbyists who testified

UNFEgan, NancyAmerican Property & Casualty Insurance AssociationRegistered for: American Property Casualty Insurance Association
UNFEgan, NancyAmerican Property & Casualty Insurance AssociationRegistered for: American Property Casualty Insurance Association
UNFPopham, BrysonBryson F. Popham, P.A.Registered for: Agency Insurance Company of Maryland; Agency Services, Inc.; Army Alliance; Bryson F. Popham P.A.; Building Owners and Managers Association of Greater Baltimore (BOMA); CVS Health