Earthquake insurance

2025-2026 Bill 3227: Earthquake insurance - South Carolina Legislature Online

South Carolina General Assembly
126th Session, 2025-2026
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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
Summary: Earthquake 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

B
e it enacted by the
General Assembly of the State of South Carolina:

S
ECTION 1.
A
rticle 1, Chapter 75, Title 38 of the S.C. Code is
amended by adding:

S
ection
38-75-70
.
I
f 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."

S
ECTION 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