South Carolina General Assembly
126th Session, 2025-2026
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Indicates Matter Stricken
Indicates New Matter
H. 3227
STATUS INFORMATION
General Bill
Sponsors: Reps. Gatch, Gilliard and Rivers
Document Path: LC-0011WAB25.docx
Introduced in the House on January 14, 2025
Introduced in the Senate on March 10, 2026
Last Amended on March 4, 2026
Currently residing in the Senate Committee on Banking and Insurance
HISTORY OF LEGISLATIVE ACTIONS
| Date | Body | Action Description with journal page number |
|---|---|---|
| 12/5/2024 | House | Prefiled |
| 12/5/2024 | House | Referred to Committee on Labor, Commerce and Industry |
| 1/14/2025 | House | Introduced and read first time (House Journal-page 136) |
| 1/14/2025 | House | Referred to Committee on Labor, Commerce and Industry (House Journal-page 136) |
| 2/19/2026 | House | Committee report: Favorable with amendment Labor, Commerce and Industry (House Journal-page 11) |
| 2/24/2026 | House | Debate adjourned until Thur., 2-28-26 (House Journal-page 63) |
| 2/26/2026 | House | Member(s) request name added as sponsor: Gilliard |
| 2/26/2026 | House | Debate adjourned (House Journal-page 22) |
| 3/3/2026 | House | Requests for debate-Rep(s). Caskey, Hewitt, Cox, Ford, T. Moore, and Vaughan (House Journal-page 11) |
| 3/3/2026 | House | Requests for debate removed-Rep(s). Ford (House Journal-page 42) |
| 3/4/2026 | House | Member(s) request name added as sponsor: Rivers |
| 3/4/2026 | House | Amended (House Journal-page 24) |
| 3/4/2026 | House | Read second time (House Journal-page 24) |
| 3/4/2026 | House | Roll call Yeas-116 Nays-0 (House Journal-page 25) |
| 3/5/2026 | House | Read third time and sent to Senate (House Journal-page 11) |
| 3/10/2026 | Senate | Introduced and read first time (Senate Journal-page 12) |
| 3/10/2026 | Senate | Referred to Committee on Banking and Insurance (Senate Journal-page 12) |
View the latest legislative information at the website
VERSIONS OF THIS BILL
12/05/2024
02/19/2026
03/04/2026
Amended
March 4, 2026
H. 3227
Introduced by Reps. Gatch, Gilliard and Rivers
S. Printed 3/4/26--H.
Read the first time January 14, 2025
________
A bill
TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY ADDING SECTION 38-75-70 SO AS TO REQUIRE INSURERS TO OFFER INSURANCE COVERAGE FOR LOSS OR DAMAGE RESULTING FROM AN EARTHQUAKE TO ALL POLICIES ISSUED IN THIS STATE.
Amend Title To Conform
Be it enacted by the General Assembly of the State of South Carolina:
SECTION 1. Article 1, Chapter 75, Title 38 of the S.C. Code is amended by adding:
Section 38-75-70. If an insurer issues a policy or contract of insurance covering residential property in this State that does not provide coverage for a loss as a result of an earthquake, this must be communicated to the insured at the time of policy issuance and each subsequent renewal. The communication must be in at least ten point boldface type and contain the following language, or something similar: "This residential property insurance policy does not provide coverage for losses as a result of an earthquake. Please contact your insurance agent or insurance carrier to inquire about options to cover a loss resulting from an earthquake."
SECTION 2. This act takes effect on January 1, 2027.
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This web page was last updated on March 4, 2026 at 5:03 PM