South Carolina H 3227: Earthquake insurance

Bill Text

2025-2026 Bill 3227 Text of Previous Version (Mar. 04, 2026) - South Carolina Legislature Online 

South Carolina General Assembly
126th Session, 2025-2026

Bill 3227

Indicates Matter Stricken
Indicates New Matter

(Text matches printed bills. Document has been reformatted to meet World Wide Web specifications.)

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.

----XX----

This web page was last updated on March 04, 2026 at 05:03 PM