Recap of Week 7 & Preview of Week 8 of Session
We have just two weeks remaining before the Florida legislative session’s scheduled conclusion on March 8. The budget negotiations between the two chambers will be in high gear and tomorrow is the 50th day of session which is the last day for regularly scheduled committees to meet. That means that any bills in process that don’t make an agenda by tomorrow most likely are dead, although now is the time we may see where bills turn into amendments to be tacked onto bills that do look like they will pass both the House and Senate.
Both chambers this past week added the Governor’s proposed property insurance relief into their budgets. With respect to his recommendation to reduce the insurance premium tax and other expenses, the Senate’s proposed insurance tax measure ($211.3 million in savings to consumers) starting July 1 equates to about a 3.5% on homeowners’ premiums. The House revised its package to include an insurance premium tax break for homeowners with property valued at $750,000 or less. But the House has not matched a Senate proposal for a tax exemption on flood-insurance policies. These differences will be negotiated most likely this coming weekend.
There was movement this past week on some key insurance bills, which we’ll detail in this Bill Watch, as well as some non-insurance bills of interest.
The House and Senate overwhelmingly passed legislation last week that would prevent children under 16-years old from having accounts on social media platforms that have addictive features. The bill now heads to the Governor for his consideration. If signed into law, HB 1 would create the strictest social media ban in the country. Since the bill was passed with two weeks left in session, the Governor will have seven days to act on the bill once it is presented to him. Would be curious your take on this bill so will listen to your feedback!
HB 635 and its Senate companion incentivizes businesses to assist employees with the cost and availability of childcare while also reducing regulations on providers that drive up costs without improving safety or quality.
HB 347, a bill to protect agribusinesses from increased litigation due to the use of regulated fertilizer products, sends a message that agriculture is a cornerstone of Florida’s economy and essential to national food security. Its message is that farmers should be focused on innovation and growth and not on defending against frivolous product liability lawsuits for products they did not create. The Senate takes it up this week.
Another bill, HB 621 and its Senate companion, helps property owners in removing squatters from their land. Yes, just like in the days of the gold rush, Florida has now become a haven for squatters who move into vacant homes and don’t leave. Law enforcement is hesitant or too short-staffed to do anything with landlords and owners who complain; this bill gives law enforcement clear authority to remove the unwanted tenants. I spoke with the National Association of Residential Property Managers last week at their Day on the Hill meeting and they said squatter reform was their second priority behind figuring out ways to reduce property insurance costs!
To get all the latest on bills of interest to our insurance industry partners, please keep reading. Thanks for staying close and happy to help in any way we can!
We have separated Bill Watch for the remainder of our weekly session newsletters into two categories – “Bills in Play” and “Bills Not in Play.” For those of you who were following closely and have a favorite that has been placed in the latter, don’t forget: It has been my experience that most good and bad ideas take 3 years to pass!”
Here is the list of legislative bills we’re following. You can click the bill link in the list below to go directly to the bill and its details further below. “Updated” bills are so noted. Updates within each bill are noted in blue font:
Florida Hurricane Catastrophe Fund and Reinsurance Assistance
Policy Cancellations and Nonrenewals by Property Insurers Updated
Personal Lines Residential Property Insurance
Department of Financial Services Updated
Access by Insureds to Claim-related Documents
Insurance Updated
Financial Strength of Property Insurers
Litigation Financing Updated
Condominium Windstorm Pilot Program
Hurricane Protections for Homeowners’ Associations Updated
My Safe Florida Condominium Pilot Program Updated
My Safe Florida Home Program Updated
Citizens Property Insurance Corporation Updated
Citizens Property Insurance Corp.
Coverage by Citizens Property Insurance Corp.
Windstorm Coverage by Citizens Property Insurance Corporation
Other filed property insurance bills
Motor Vehicle Insurance
Insurance Claims
Flood Damage Prevention
Flood Disclosure in the Sale of Real Property Updated
Consumer Protection Updated
Bills Not in Play
Property Insurance – Regulation & Claims:
Policy Cancellations and Nonrenewals by Property Insurers ̶ SB 1104 and the similar HB 1149 by Senator Jennifer Bradley (R-Fleming Island) and Rep. Adam Botana (R-Bonita Springs) would put new restrictions on insurance companies cancelling or nonrenewing policies, with a focus on flood damage – regardless of whether an insurance policy provides coverage for flood damage or not. Both bills are headed to their respective House and Senate floors after they passed in their last committee stops this week. In a surprise move, the Florida Association of Insurance Agents (FAIA) were successful in amending HB 1149’s contents onto the Office of Insurance Regulation’s (OIR) bill HB 1611 by Rep. Cyndi Stevenson. This maneuver was a “safety net,” a phrase used by one observer, for FAIA to attempt successful passage of their interests if HB 1149 isn’t successful.
What is unknown is whether the Office of Insurance Regulation considers the amendment on their agency bill as “friendly” or “unfriendly,” terms used in the process that are self-explanatory. To sum up, the latest iteration of the House bill says if there is a zip code with a flood event determined by OIR, insurers must stay on a risk in that zip code for 270 days. And if, during that time, there is a loss (flood or otherwise), insurers must stay on the risk for the earlier of repair or one policy renewal period. Complicated? Yes! There are more details in these negotiations and I am happy to provide the back and forth as we closely watch and listen. Again, insurers are not in the habit of cancelling homeowners with unrepaired damage and if in the rare instance it does occur, regulators will be involved so we continue to remain puzzled as to why this law change is needed. You can read more in the House bill analysis made prior to this change, as well as the latest Senate bill analysis from this past Friday. (Return to Top of List)
Department of Financial Services ̶ HB 989 by Rep. Chip LaMarca (R-Lighthouse Point) and SB 1098 by Senator Nick DiCeglie (R-St. Petersburg) are the annual omnibus bills that touch on the many regulations and responsibilities of the Florida Department of Financial Services (DFS), including insurance. Both of these noncontroversial bills passed their final committees last week and will head to the floor of their respective chambers for further consideration. You can read the bill analysis on the changes made in the House bill and the latest Senate bill analysis, which appears to be substantially similar. (Return to Top of List)
Insurance ̶ SB 1622 by Senator Jay Trumbull (R-Panama City) and HB 1611 by Rep. Cyndi Stevenson (R-St. Johns) increases regulation of reciprocal insurance exchanges, which are a form of insurance organization in which individuals and businesses exchange insurance contracts and spread the risks associated with those contracts among themselves. HB 1611 is now headed to the House floor and SB 1622 is awaiting its final hearing in the Senate Fiscal Policy Committee tomorrow (February 27) at 9 am. Here is the latest bill analysis on the Senate bill, which now differs from the House bill since the contents of HB 1149 were inserted into HB 1611. Here’s the House bill analysis prior to that insertion. We await the Senate’s position on SB 1622 to determine if they concur with adding the unrepaired damage provisions from HB 1149 onto its bill in the Senate Fiscal Policy Committee. (Return to Top of List)
Litigation Financing ̶ SB 1276 by Senator Jay Collins (R-Tampa) and the identical HB 1179 by Reps. Tommy Gregory (R-Lakewood Ranch) and Toby Overdorf (R-Palm City) pick up where past efforts in recent sessions made no progress in regulating third-party funding of lawsuits against businesses, including insurance companies. SB 1276 is awaiting passage by the full Senate. HB 1179 which some thought had stalled took an interesting twist in mid-February when House Judiciary Chairman Tommy Gregory decided to amend the substance of HB 1179 onto HB 569, a bill lifting the sovereign immunity caps for local government. This would eliminate many “local bills” in the legislative process, a type of bill where a plaintiff asks the legislature for monetary awards over and above the sovereign immunity caps. It appears that any attempt to get these bills across the finish line in this session will not be successful. Some Republican lawmakers have joined with their Democratic colleagues in expressing reservations on limiting or regulating such litigation. If you have not watched Senator Collins debate and present a bill, you are missing the style and candor of a great American. The bills received wide press coverage recently, including the Sun-Sentinel’s Who’s funding your lawsuit? Florida bills would require disclosure.
To be called the “Litigation Investment Safeguards and Transparency Act” the bill requires a court’s consideration of potential conflicts of interest which may arise from the existence of a litigation financing agreement in specified circumstances; prohibits specified acts by litigation financiers; requires certain disclosures related to litigation financing agreements and the involvement of foreign persons, foreign principals, or sovereign wealth funds; and requires the indemnification of specified fees, costs, and sanctions by a litigation financier in specified circumstances, among other provisions. (Return to Top of List)
Property Insurance – Condominium & Homeowners Associations:
Hurricane Protections for Homeowners’ Associations ̶ SB 600 by Senator Blaise Ingoglia (R-Spring Hill) and the identical HB 293 by Rep. Tyler Sirois (R-Merritt Island) requires a homeowners association committee or board to adopt hurricane protection specifications that conform to applicable building codes. It also prohibits the committee or board from denying an application to install or enhance certain hurricane protections and contains provisions for adhering to guidelines on the external appearance of buildings. SB 600 and HB 293 are waiting to be heard on the Senate and House floors respectively. You can read the very latest on both in the Senate bill analysis and the House bill analysis. (Return to Top of List)
My Safe Florida Condominium Pilot Program ̶ SB 1366 by Senator Nick DiCeglie (R-St. Petersburg) and the identical HB 1029 by Reps. Vicki Lopez (R-Miami) and Rep. Christine Hunschofsky (D-Parkland) would apply the popular homeowners program of the same name to condominium complexes & individual condo unit owners in an initial pilot program. The program includes requirements on associations and unit owners that choose to participate, required inspections, and on the hurricane mitigation inspectors who perform the services. Both bills passed unanimously in their last committee stops last week and are waiting to be heard on the Senate and House floors respectively. You can read the latest Senate bill analysis and House bill analysis, as well as this story last week in the Sun-Sentinel. (Return to Top of List)
My Safe Florida Home Program (MSFH) ̶ On January 11, SB 7028 was released that for all intents and purposes replaced SB 1208 by Senator Jonathan Martin (R-Fort Myers). The bill passed the full Senate on February 7 and is still awaiting House consideration. The bill analysis lists the changes to the MSFH program, the most notable of which is that the grant award criteria will give preference to Floridians over 60 and low income. The House version, HB 1263 by Rep. Chip LaMarca (R-Lighthouse Point) is similar to SB 7028 and passed the Commerce Committee unanimously last week and now heads to the House floor for consideration. The latest House bill analysis was made just prior to last week’s changes in the House bill. These bills revise provisions in this popular program that offers free home inspections and grants of up to $10,000 on a $2 to $1 match to incentivize homeowners to harden their homes from future hurricanes. The legislature re-established the program in 2023 but by mid-summer the number of applications exceeded the $100 million program funding. The legislature in special session in November 2023 pumped another $176 million into the program, and this bill funds another $100 million in the upcoming fiscal year July 1. (Return to Top of List)
Property Insurance – Citizens Property Insurance Corporation:
Citizens Property Insurance Corporation ̶ SB 1716 by Senate Banking and Insurance Committee Chairman Jim Boyd (R-Bradenton) and the similar HB 1503 by Rep. Tiffany Esposito (R-Ft. Myers) are starting to move again. The House bill passed its final committee last week and now heads to the full House floor. The Senate bill will have its final committee meeting tomorrow (February 27) at 9am before the Senate Fiscal Policy Committee. Both bills no longer have the provision lifting Citizens $700,000 cap to $1 million. We look to see other significant differences between the two bills ironed out before we see them move out of committee. You can read the latest House bill analysis and the Senate bill analysis. The bills authorize surplus lines companies to do takeouts of Citizens’ non-homesteaded residential properties, such as second homes among other risks. It also makes needed reference changes reflecting that combining Citizens’ three accounts into one will make it much less likely that Citizens policyholders will face a future surcharge and even more unlikely that non-Citizen policyholders will face an emergency assessment from a future catastrophe. (Return to Top of List)
Consumer Protections:
Consumer Protection ̶ SB 1066 by Senator Colleen Burton (R-Lakeland) and the identical HB 939 by Rep. Griff Griffitts, Jr. (R-Panama City Beach) is a multi-part bill. These bills are in position to pass this Session. SB 1066 will have its final hearing today (February 26) at 2pm before the Senate Rules Committee. HB 939 was amended last week in its final stop, the Commerce Committee, to bring it closer to SB 1066. Differences in language remain regarding the effective date of reforms to a notice of change in policy terms; public adjuster fees for condo and homeowner’s associations and apartment buildings; and provisions regarding loss assessment coverage, but the Senate looks like it will amend its version to match the House provisions on these issues. Here is the latest Senate bill analysis going into today’s hearing and the House bill analysis going into last week’s final committee hearing. (Return to Top of List)
Flood Disclosure in the Sale of Real Property ̶ SB 484 and the similar HB 1049 by Senator Jennifer Bradley (R-Fleming Island) and Rep. Christine Hunschofsky (D-Parkland) would require a seller of real property to disclose in writing a variety of flood information to a prospective purchaser before executing a contract for the sale of the property. Both bills are poised to make it across the finish line. SB 484 will be heard in its final stop today (February 26) at 2pm before the Senate Rules Committee. HB 1049 passed its final committee last week and is awaiting consideration on the House floor. You can read the updated House bill analysis and the Senate bill analysis going into today’s hearing. Similar bills in the 2023 session never received a hearing. (Return to Top of List)
Property Insurance – Reinsurance:
Florida Hurricane Catastrophe Fund and Reinsurance Assistance ̶ HB 1293 by Rep. Hillary Cassel (D-Dania Beach). While this bill is not moving, property insurance rates are still the number one issue on Floridian’s minds as weighting down their pocketbooks. We are hopeful that the behind-the-scenes discussions about reducing the cost of reinsurance and using our state’s reinsurance fund (The Florida Hurricane Catastrophe Fund) is in the cards. Most insurers are able to buy their reinsurance and all indicators are that reinsurance prices will not be meteoric as in the past two years. What would be nice is to see if we could help consumers with a reduction in reinsurance costs that would translate to some savings in their ultimate premium. Stay tuned! The bill eliminates the rapid cash buildup factor for one year; resets the attachment point at the 2023 contract year figure of $8.5 billion; reauthorizes the RAP and FORA programs; requires the Cat Fund to pay actual loss adjustment expense; allows insurance companies an option to purchase 100% coverage; requires the Cat Fund rates to be based on an average of all seven approved catastrophe models; requires cat fund rates to be filed with the Florida Office of Insurance Regulation (OIR); and clarifies the statute that the Cat Fund’s claims-paying capacity limit is $17 billion. An identical bill has been filed in the Senate (SB 1668) by Senator Nick DiCeglie (R-St. Petersburg) but like HB 1293, has not received a hearing. (Return to Top of List)
Property Insurance – Regulation & Claims:
Personal Lines Residential Property Insurance ̶ HB 809 and the identical SB 1070 by Rep. Alina Garcia (R-Miami) and Senator Ileana Garcia (R-Miami) requires insurance companies before writing a traditional personal lines residential property insurance policy to offer instead a policy that covers losses equal to only the unpaid principal balance of all mortgage loans on the property. It requires a signed statement by the purchaser acknowledging “the significant financial losses” they may incur for damage that exceeds such coverage. The bill also prohibits insurance companies from requiring a coverage limit that includes the value of the land upon which the dwelling sits. As neither bill has received its first hearing, these bills are most likely dead. (Return to Top of List)
Access by Insureds to Claim-related Documents ̶ SB 1726 by Senator Jonathan Martin (R-Fort Myers) and the identical HB 1287 by Rep. Hillary Cassel (D-Dania Beach) defines the term “claim-related documents” and requires insurance companies notify policyholders and certain parties that they may obtain copies of all claim-related documents upon request. It also requires companies provide to policyholders, their agents and attorneys, copies of all claim-related documents within a specified timeframe after receiving requests, among other provisions. As neither bill has received its first hearing, these bills are most likely dead. (Return to Top of List)
Financial Strength of Property Insurers ̶ SB 1724 and the similar HB 1661 by Senator Erin Grall (R-Fort Pierce) and Rep. Spencer Roach (R-North Fort Myers) sets up an independent rating agency for Florida’s domestic property insurance companies. It defines a financial strength rating and an independent rating agency, among other qualifications. Neither bill has been scheduled to receive a hearing. (Return to Top of List)
Property Insurance – Condominium & Homeowners Associations:
Condominium Windstorm Pilot Program ̶ HB 655 by Rep. Hillary Cassel (D-Dania Beach) and the identical SB 802 by Senator Ana Maria Rodriguez (R-Miami-Dade) attempts to provide help for condominium complexes seeking basic wind-only coverage. The bill would require the Office of Insurance Regulation (OIR) to create a pilot program for commercial residential coverage with Citizens Property Insurance for actual cash value (ACV) coverage rather than replacement cost value. A condominium association would have to receive a majority vote of its members in order to participate in the pilot program. The Citizens policy would be required to ensure the ACV of the residential condominium association’s roof aligns with the reserves required under HB 5-D and passed under HB 4-D in the May 2022 special session. The condo complex would also be required to have biannual roof inspections and submit those along with the most recent structural integrity reserve study to Citizens. The program would begin July 1, 2024 and sunset five years later. If passed, it is expected to increase the Citizens policy count. Citizens Chairman Carlos Beruff at its Exposure Reduction Committee meeting in December commented “I don’t want to be the Lloyd’s of London of Florida where we’re creating insurance products just because we can.” Neither bill has been scheduled to receive a hearing. (Return to Top of List)
Property Insurance – Citizens Property Insurance Corporation:
Citizens Property Insurance Corporation. ̶ SB 604 and the similar HB 565 by Senator Ana Maria Rodriguez (R-Miami-Dade) and Rep. Jim Mooney, Jr. (R-Islamorada) and Rep. Vicki Lopez (R-Miami) would create a special carve-out to the legislatively-created rate glide path for Citizens with its annual mandatory rate increase caps. It also relaxes the requirements that Citizens policyholders carry flood insurance.
The carve-out is specially tailored to Monroe County (the Florida Keys) policyholders who have complained for years about what they say is higher than appropriate premiums. But it also includes the densely populated Miami-Dade County, home to some of the highest insured values in Florida. The bill requires that in those two counties and in counties where there is not a reasonable degree of competition that Citizens cap annual rate increases to 10% compared to the graduated cap for the rest of the state that will be 13% in 2024. The Citizens Board of Governors in December 2023 expressed concern that the bill represents backward progress on growing the rate cap glide path and will make Citizens the only insurer in Monroe and Miami-Dade counties. It also increases Citizens’ Coverage A limit from $1 million to $1.5 million in counties that have been designated as areas with no competition (Miami-Dade and Monroe Counties). The bill also further relaxes the flood insurance requirement by exempting policies for structures that are elevated at least 1 foot above the flood zone’s minimum base flood elevation. Neither bill has been scheduled to receive a hearing. (Return to Top of List)
Coverage by Citizens Property Insurance Corp. ̶ HB 889 by Rep. Kim Berfield (R-Pinellas County) broadens the eligibility to qualify for a Citizens policy, removes the rate cap glide path and adds a surcharge on higher value policies, and prohibits some higher value policies from Citizens coverage if a comparable private market policy is available – regardless of price. The companion to HB 889, SB 1106 by Senator Ed Hooper (R-Palm Harbor) unanimously passed both the Senate Banking and Insurance Committee in January and the Appropriations Committee on Agriculture, Environment, and General Government on February 13, but there has been no further movement since. You can read the latest Senate bill analysis. However, given HB 889 is not on the agenda of the House Insurance & Banking Subcommittee, these bills collectively are dead. Specifically the Senate bill:
- Expands Citizens by allowing it to write policies with a dwelling replacement cost (houses) or dwelling and contents replacement cost (condo units) of up to $1 million (up from the current limit of up to $700,000 coverage) which in LMA’s opinion does not contribute to a healthy private market.
- Eliminates the legislatively-set glide path cap on rate increases for policies with dwelling replacement cost (houses) or dwelling and contents replacement cost (condo units) of $700,000 or more.
- Requires a surcharge on the above homes and condo units of $700,000 or more coverage that is equal to the lesser of $2,500 or 25% of the Citizens’ rate to ensure Citizens’ rates are not competitive with the private market.
- Removes eligibility for a Citizens policy for the above homes and condo units of $700,000 or more coverage if there is comparable coverage offered from a private market company under a standard policy that includes wind coverage. (Return to Top of List)
Windstorm Coverage by Citizens Property Insurance Corporation ̶ HB 1213 by Rep. Spencer Roach (R-North Fort Myers) requires Citizens to make windstorm coverage available to homeowners of any residential and commercial residential structures. It provides underwriting & administering requirements for the windstorm coverage portion of policies and also removes provisions relating to windstorm risk apportionment plan agreements among property insurance companies. The bill has no direct Senate companion bill.
There is a comparable bill in HB 893 and its similar Senate bill SB 1428 by Rep. Vicki Lopez (R-Miami) and Senator Nick DiCeglie (R-St. Petersburg). The Senate bill allows Citizens to amend areas it deems eligible for wind-only coverage and develop new criteria and rates for personal residential, commercial residential, and commercial nonresidential policy coverages. HB 893 was passed on February 6 in the House Insurance and Banking Subcommittee, however SB 1428 never received a hearing. (Return to Top of List)
There are other filed property insurance bills that we are watching but have shown little or no signs of movement. You can fully review them here. They include:
HB 1191, Assignment of Benefits for Surplus Lines Insurers by Rep. Tom Fabricio (R-Miami Lakes)
HB 625, Property Insurance Coverage by Rep. James Buchanan (R-Osprey).
HB 41, Mortgage Loans and Insurance Payments Grant Program by Rep. Jervonte “Tae” Edmonds (D-Palm Beach)
HB 329 / SB 860, Financial Assistance for Homeowners by Rep. Jervonte “Tae” Edmonds (D-Palm Beach), Rep. Jennifer “Rita” Harris (D-Orlando), Rep. Michelle Rayner (D-St. Petersburg) and Senator Shevrin “Shev” Jones (D-Miami Gardens)
SB 348, Insurance Rebate Program for Low-Income Seniors by Senator Lauren Book (D-Davie)
HM 371, Federal Catastrophe Pool by Rep. Kelly Skidmore (D-Boca Raton)
SB 102 / HB 1017, Property Insurance by Senator Shevrin “Shev” Jones (D-Miami Gardens) and Rep. Tae Edmonds (D-West Palm Beach)
SB 178, Resolution of Disputed Property Insurance Claims by Senator Tina Polsky (D-Boca Raton)
SB 500, Surplus Requirements for Residential Property Insurers by Senator Linda Stewart (D-Orlando) (Return to Top of List)
Auto Insurance:
Motor Vehicle Insurance ̶ HB 653 and the identical SB 464 by Rep. Danny Alvarez (R-Brandon) and Senators Erin Grall (R-Fort Pierce) and Senator Darryl Rouson (D-St. Petersburg) is a perennial effort to do away with Personal Injury Protection (PIP) coverage under Florida’s No-Fault insurance law and replace it with bodily injury (BI) liability coverage. The primary difference between PIP and mandatory BI is that under PIP, someone injured in an auto accident seek coverage first under their own PIP policy, whereas under mandatory BI, someone injured in an auto accident would seek recovery from a responsible third-party’s (other driver’s) BI coverage. The bills are similar to the bill vetoed in 2021 by Governor DeSantis, and filed again in 2022 and 2023. Last spring’s bills were never heard by a committee. Neither bill has been scheduled to receive a hearing this session. (Return to Top of List)
Insurance Claims ̶ HB 731 by Rep. Adam Botana (R-Bonita Springs) passed its first committee on February 6 by a 15-1 vote in the House Insurance & Banking Subcommittee. It requires insurance companies to report to the Office of Insurance Regulation (OIR) the recovery of funds from automobile claim judgments, settlements, and attorney fees and costs, as well as repayment of claims paid from unlawful acts. OIR, in turn, would be required to consider recovery of those funds in reviewing companies’ rates. The bill also specifies that a policyholder’s payment of a deductible or copayment is not a condition of a carrier’s payment obligations. There is a similar bill in the Senate (SB 1024) by Senator Erin Grall (R-Fort Pierce) that never received a hearing. (Return to Top of List)
Flood Insurance:
Flood Damage Prevention ̶ SB 1766 by Senator Ana Maria Rodriguez (R-Miami) passed on January 30 in the Senate Environment & Natural Resources Committee and awaits its third committee stop. However, the similar HB 749 by Rep. Fabián Basabe (R-Miami Beach) has not been scheduled for a hearing. Both bills are significant, seeking to improve building regulation and flood mitigation. To be titled the “Flood Damage Prevention Act of 2024,” it specifies a maximum voluntary freeboard requirement of 10 feet for new construction and substantial improvements to existing construction. The bill also prohibits voluntary freeboard from being used in the calculation of the maximum allowable height for certain construction; and requires the Florida Building Commission to develop and adopt by rule minimum freeboard requirements by a specified date and to incorporate such requirements into the next edition of the Florida Building Code, among other provisions. (Return to Top of List)
LMA Newsletter of 2-26-24
