Property, catastrophe and climate risk laws by state

SB 1206: storm related insurance claims

HB 1821: To create a more sustainable system of property insurance for public schools, institutions of higher education, and state-owned property; and to declare an emergency.

Public schools and state-supported institutions of higher education must obtain property insurance through the State Captive Insurance Program and are prohibited from using public adjusters. The Secretary of the Department of Transformation and Shared Services must establish and maintain the captive insurance company, set actuarially sound premium rates, and maintain an optimal reserve balance between fifty and seventy-five million dollars.

AB 1278: Mortgages: hazard insurance proceeds: interest.

A financial institution that makes loans secured by one- to four-family residences in California or purchases such obligations and holds hazard insurance proceeds in a loss draft account must pay interest at a rate of at least 2 percent simple interest per annum, credited to the account or paid directly to the borrower annually or upon account termination, whichever is earlier.

Takes effect 1 January 2027

AB 2038: Residential property insurance: cancellations and nonrenewals.

Insurers must renew residential property insurance policies for at least three annual renewal periods or 36 months from the date of total loss caused by disaster. Insurers must not cancel or refuse to renew such policies for properties in ZIP Codes within or adjacent to fire perimeters for two years after state of emergency declaration based solely on wildfire occurrence.

Takes effect 1 January 2027

AB 2061: California FAIR Plan Association: data.

The California FAIR Plan Association must post quarterly on its internet website the number of policies issued in each ZIP Code, the association's risk exposure, and the number of policyholders removed through the clearinghouse program. The association must maintain an internet website and toll-free number for applicants and insureds.

Takes effect 1 January 2027

AB 2724: Insurance: distressed areas.

The Department of Insurance must review and update distressed areas on or before July 1, 2027, and yearly thereafter. The department must consult with the Department of Forestry and Fire Protection, consider ZIP Codes meeting the 10 percent threshold, hold at least one public meeting for suggestions, and publish a bulletin listing distressed area ZIP Codes by January 1, 2028, and yearly thereafter.

Takes effect 1 January 2027

AB 1680: California FAIR Plan Association.

The California FAIR Plan Association must take corrective actions specified by the Insurance Commissioner to rectify violations of applicable statutes, regulations, accounting principles, the plan of operation, or other legally binding rules identified in examination or operational reports. All insurers licensed to write basic property insurance must participate in the association as a condition of authority to transact such insurance.

Takes effect 1 January 2027

AB 69: FAIR Plan policy notices and renewals.

The California FAIR Plan Association must provide all policyholders with an annual notice about coverage options at initial issuance and renewal. On and after January 1, 2028, the association may share policyholder information with participating insurers in clearinghouse programs, who must simultaneously offer policies to agents or brokers of record and policyholders. Participating insurers must report quarterly on policies issued to FAIR Plan policyholders commencing May 1, 2027.

Takes effect 1 January 2027

SB 1206: Insurance: omnibus.

Licensees must become inactive if dissolved, forfeited, terminated, canceled, or surrendered by the Secretary of State. Public adjusters must deposit fiduciary funds within 15 calendar days (or 7 days for catastrophic disasters) and remit settlement funds within 30 calendar days (or 15 days for catastrophic disasters). Licensees must promptly respond to commissioner inquiries within 21 days.

Takes effect 1 January 2027

SB 1301: Residential property insurance: nonrenewals.

Beginning January 1, 2028, insurers must deliver renewal offers or nonrenewal notices to named policyholders at least 90 days before policy expiration, provide detailed plain language explanations of nonrenewals or coverage reductions, and allow policyholders at least 90 days to remedy remediable conditions. Insurers must submit annual reports to the Insurance Commissioner by April 1 each year.

Takes effect 1 January 2027

SB 876: Fire and residential property insurance.

Residential property insurers must offer extended replacement cost coverage of at least 50% above policy limits and extended additional living expenses coverage of at least 50% above policy limits. Insurers must assign a primary point of contact within 30 days for state of emergency claims. Insurers must submit disaster response plans and report losses within 30 days of emergency declaration.

Takes effect 1 January 2027

AB 1795: Smoke Damage Recovery Act.

Insurers must not terminate additional living expenses coverage for residential property smoke damage claims until properties are cleared for habitation per California Environmental Protection Agency standards. Insurers must inspect smoke-damaged properties within 30 calendar days of claim notice, pay actual cash value within 30 days of inspection, and pay undisputed replacement cost within 15 days of receiving contractor contracts. Insurers must cover sampling and testing costs required by the standards.

AB 1339: Department of Insurance: housing insurance study.

The Department of Insurance shall conduct a study of property, liability, and builders' risk insurance coverages available to affordable housing entities receiving grants, loans, or tax credits from specified state agencies. Insurers must provide information requested by the commissioner. The department must submit a report with policy and budget recommendations within one year of appropriation.

AB 888: California Safe Homes grant program.

The Department of Insurance must develop and administer the California Safe Homes grant program to reduce wildfire losses and improve insurability. When awarding grants, the department must prioritize roof replacement and noncombustible zones per Safer from Wildfires regulations, then communitywide mitigation projects. The department must collect performance data and publish reports by January 1, 2027, and every two years thereafter.

SB 429: Wildfire Safety and Risk Mitigation Program.

Establishes the Wildfire Safety and Risk Mitigation Program to fund universities developing a public wildfire catastrophe model and creates the Wildfire Safety and Risk Mitigation Account within the Insurance Fund for these purposes.

SB 495: Insurance.

Admitted insurers in a group with prior year written premiums of $50,000,000 or more from specified insurance lines must submit annual reports to the commissioner by March 1, 2026, and March 1 each year thereafter, containing reinsurance program placement data and probabilistic catastrophic model information. Insurers must promptly respond to commissioner inquiries. Insurers must not require proof of loss less than 100 days after losses relating to declared states of emergency and must provide advance personal property payments of 60 percent of policy limits up to $350,000 for furnished residences.

SB 547: Commercial property insurance cancellation and nonrenewal.

Insurers shall not cancel or refuse to renew a policy of commercial property insurance for a property in any ZIP Code within or adjacent to a fire perimeter for one year after a state of emergency declaration, based solely on wildfire occurrence, except for willful or grossly negligent acts by the insured, unrelated losses rendering the risk ineligible, or physical changes making the property uninsurable.

AB 1: Residential property insurance: wildfire risk.

The Department of Insurance must consider whether to update the Safer from Wildfires regulations on or before January 1, 2030, and every five years thereafter to include additional building hardening measures for property-level mitigation efforts and communitywide wildfire mitigation programs. The department must consult with specified agencies and stakeholders and develop a public participation process including at least one public meeting and public comment periods.

AB 226: California FAIR Plan Association.

The California FAIR Plan Association, if granted prior approval from the Insurance Commissioner, may request the California Infrastructure and Economic Development Bank to issue bonds to finance claims costs or increase liquidity and claims-paying capacity. If the association cannot timely meet repayment obligations, it must assess members in necessary amounts and at necessary times to pay all obligations in full.

AB 234: California FAIR Plan Association governing committee.

The Speaker of the Assembly and the Chairperson of the Senate Committee on Rules shall serve as nonvoting, ex officio members of the California FAIR Plan Association governing committee, and each may name a designee to serve in their place.

AB 290: California FAIR Plan Association: automatic payments.

The California FAIR Plan Association must create an automatic payment system and accept automatic payments for premiums from policyholders on or before April 1, 2026. The association must not cancel or nonrenew a FAIR Plan policy solely because the policyholder is not enrolled in automatic payments.

SB 525: California FAIR Plan: manufactured homes.

The California FAIR Plan Association must offer basic property insurance for manufactured homes and mobilehomes under the same terms and conditions as basic property insurance sold for other residential dwellings.

AB 493: Mortgages: hazard insurance proceeds.

A financial institution that makes loans on one- to four-family residences or purchases obligations secured by such property and holds hazard insurance proceeds in a loss draft account pending rebuilding or repair must pay at least 2 percent simple interest per annum on those funds and may not impose fees that would result in less than 2 percent interest being paid.

SB 155: Increase Access Homeowner's Insurance Enterprise

Insurers offering multiperil homeowner's insurance in Colorado must pay an annual fee equal to one-half of one percent of total premiums collected on such policies, beginning in 2027. Insurers must not surcharge this fee to policyholders. Homeowners awarded grants must construct roofs meeting resilient roof system standards and select licensed contractors meeting specified criteria.

HB 25-1322: Enforce Insurer Compliance Requests Insurance Policy

A homeowner's insurance carrier must make available to a policyholder a certified copy of the policyholder's insurance policy within thirty calendar days after a written request is received by the insurance carrier's registered agent.

HB 25-1182: Risk Model Use in Property Insurance Policies

Insurers using wildfire risk models or catastrophe models must submit these models to the Commissioner with descriptions, rate impacts, actuarial justifications, and underwriting explanations. Insurers must incorporate property-specific and community-level mitigation actions into models or provide discounts. Insurers must provide policyholders written notice of wildfire risk scores and appeal rights within specified timeframes.

HB 25-1207: Pet Ownership Residential Housing Structures

Insurers must not refuse to issue, cancel, refuse to renew, or increase premiums for homeowners insurance, dwelling fire insurance, or commercial multifamily policies based on dog breed or mixture of breeds. Housing developments receiving state financing on or after January 1, 2026 must authorize tenants to own or keep up to two pet animals subject to reasonable conditions.

HB 25-1272: Construction Defects & Middle Market Housing

Builders of multifamily attached housing of two or more units may participate in the Multifamily Construction Incentive Program by providing warranties covering defects for one to six years depending on component type, obtaining third-party inspections, and recording a notice of election. Claimants must mitigate damages and pursue warranty remedies before filing construction defect actions.

HB 25-1205: Implement Fair Access to Insurance Requirements Plans

All member insurers must participate in the FAIR plan association as a condition of authority to transact insurance business in Colorado. The FAIR plan association must assess and share expenses, income, and losses among member insurers based on each member insurer's written premiums in proportion to aggregate premiums written by all member insurers during the preceding calendar year.

HB 6981: An act concerning electronic posting of certain documents by insurers, nonrenewal or cancellation of property and casualty insurance policies, federal home loan banks and the insurers rehabilitation and liquidation act, hypothecation of assets and surplus lines insurance.

Insurers may post policies and endorsements on their websites instead of mailing them, provided they obtain the insured's agreement, keep policies accessible for the policy duration, retain expired policies for five years, and provide insureds with free paper copies upon request and the ability to opt out of electronic delivery.

Took effect 1 October 2025

SB 1452: Department of Financial Services

Amends multiple Florida statutes governing the Department of Financial Services, including revisions to the My Safe Florida Home Program's hurricane mitigation inspection and grant eligibility requirements, unclaimed property procedures, financial management systems, insurance licensing, and various other regulatory provisions.

SB 1028: Citizens Property Insurance Corporation

Citizens Property Insurance Corporation must establish a personal lines clearinghouse and implement separate commercial lines clearinghouses for authorized insurers and surplus lines insurers by January 1, 2027. The corporation may not issue new commercial coverage if an approved surplus lines insurer offers comparable coverage at no more than 15 percent greater cost.

HB 5013: State-funded Property Reinsurance Programs

Decreases the authorized cumulative transfers from the General Revenue Fund to the State Board of Administration for the Reinsurance to Assist Policyholders program from $2 billion to $900 million and repeals the Florida Optional Reinsurance Assistance program.

SB 35: Property Insurance Policies; notice required to be given a policyholder before the nonrenewal of his or her homeowners' insurance policy; increase the number of days

Insurers must provide written notice of nonrenewal to policyholders at least 60 days before the nonrenewal becomes effective. Notice must be mailed or delivered in person to the named insured and lienholder, and must state the reason or reasons for nonrenewal.

Took effect 1 January 2026

HB 511: Insurance; deductions from taxable income for contributions by taxpayers to catastrophe savings accounts and interest earned on such accounts; provide

Individual taxpayers may establish one catastrophe savings account and contribute up to specified limits based on their homeowner's insurance deductible or self-insurance status. Taxpayers may deduct contributions from taxable income, and interest earned is exempt from tax. Distributions are taxable unless used for qualified catastrophe expenses.

Took effect 1 July 2025

SB 201: Consumer Transactions; increased consumer protection for homeowners entering into contracts with contractors following natural disasters; provide

Contractors entering contracts with homeowners within one year of a natural disaster must substantially commence work within one year, complete work to state minimum standard codes or accredited industry standards, provide cancellation rights until the fifth business day after the homeowner receives notice of non-coverage from their insurer, and furnish specific written notice and detachable cancellation forms. Insurers must not sell homeowner's policies allowing assignment of proceeds to contractors within one year of a natural disaster.

SB 2964: Relating to property insurance.

Homeowners insurers must provide policyholders annually at policy renewal with a written replacement cost estimate disclosing whether dwelling coverage limits cover replacement costs. If coverage is insufficient, insurers must offer additional coverage for thirty days at a stated premium. Estimates must include labor, materials, overhead, demolition, permits, and other necessary costs, updated annually and considering policyholder-submitted estimates.

HB 2282: Relating to insurance.

Insurers must reasonably explain premium changes upon written request by policyholders. Insurers must provide written notice of cancellation no fewer than ten days before effective date, or twenty days for residential property policies except for nonpayment or material misrepresentation. Insurers must state specific reasons for cancellation or nonrenewal.

SB 1044: Relating to the stabilization of property insurance.

The Hawaii property insurance association must provide property insurance to condominium associations meeting plan of operation criteria, with coverage limited to sixty months for high-rise condominiums. Licensed property and casualty insurers must pay assessments to fund the association and hurricane relief fund, recouping assessments through premium surcharges not exceeding two percent annually.

SB 752: Relating to insurance.

Insurers doing business in Hawaii must provide written notice to policyholders at least thirty days prior to cancellation and sixty days prior to nonrenewal of property casualty insurance policies. Notice must be sent by certified, electronic, or e-certified mailing. Longer notice periods required by title 24 or policy terms remain applicable.

H 900: STATE AFFAIRS – Amends and adds to existing law to revise provisions regarding agreements by state agencies, to exempt certain records from disclosure, and to establish provisions regarding private insurance coverage and claims for state property.

The director must complete four requirements before the state accepts any insurance settlement or payout exceeding one hundred thousand dollars for state property damage or loss: procure law enforcement reports or evidence of third-party liability, obtain damage assessments by qualified professionals, review insurance policy limits, and verify no secondary insurance is available. The director must pursue maximum recovery and obtain written concurrence from the affected agency before finalizing any settlement.

Took effect 1 July 2026

HB 5376: Mine subsidence insurance fund

Insurers must include mine subsidence coverage in policies for residences, living units, and commercial buildings unless waived in writing, at separately stated premiums set by the Fund. For policies issued or renewed on or after January 1, 2027, there shall be no deductible or retention applicable to mine subsidence damage. Insurers must execute reinsurance agreements with the Fund and cede 100% of mine subsidence insurance up to established limits.

HB 1260: Various insurance matters.

Insurers must mail notice of nonrenewal to insureds at least 60 days before policy expiration for automobile and residential policies. Insurers must respond within 30 days to insured requests for explanations of material changes to personal automobile or homeowner's policies. Insureds have 30 days to request such explanations.

Took effect 1 July 2026

HB 1213: Insurance and transfer on death deeds.

For losses after June 30, 2025, transferees of a named insured's insurable interest through a transfer on death deed become insureds under the named insured's property and casualty or liability insurance policy for sixty days following the insured's death, succeeding to the insured's rights and obligations to the extent of the transferred interest.

Took effect 1 July 2025

SF 619: A bill for an act relating to the natural hazard mitigation financing program, the disaster recovery housing assistance program, the disaster recovery new housing program, post-loss assignment of benefits, the licensing and regulation of adjusters, appraisers, and umpires, and the Iowa economic emergency fund, and providing penalties, making appropriations, and including effective date and applicability provisions.

SB 55: Prohibiting the assignment of benefits under certain property and casualty insurance contracts and defining such assignment of benefits as an unfair method of competition and unfair or deceptive act or practice.

SB 153: AN ACT relating to the prevention of harmful and fraudulent practices.

Contractors must furnish persons with mailing address, phone number, and specific notices before entering real estate goods or services contracts. Contractors must not require advance payments until the cancellation period expires, must not represent themselves as public adjusters or insurance specialists, must not cause property damage to increase contract scope, and must not offer deductible rebates or excessive compensation to insureds.

HB 524: AN ACT relating to the Commonwealth's property and casualty insurance fund and declaring an emergency.

The Finance and Administration Cabinet must determine which state property to insure and insure property financed under statutory amortization plans. The Office of the Controller must contract for reinsurance limiting fund liability to ten million dollars per risk through June 30, 2030, then one million dollars thereafter. Agencies must notify the cabinet within thirty days of property damage.

HB 233: AN ACT relating to the prevention of harmful practices associated with property and casualty insurance.

Contractors must not require advance payments under real estate goods or services contracts until the five business day cancellation period expires after an insured receives written notice that a claim is not covered. Contractors must tender payments and deposits within ten days of cancellation. Contractors must not misrepresent claims, cause damage to increase scope, offer deductible rebates, or pay compensation exceeding one hundred dollars to insureds.

HB 850: INSURANCE: Provides relative to cancellation notice requirements in the Standard Fire Policy

Amends the Standard Fire Policy cancellation notice requirements. The provisions apply to new policies issued on or after July 1, 2026, and existing policies must convert to comply by their renewal date or July 1, 2027, whichever is earlier.

HB 1187: INSURANCE: Provides for emergency assessments of the Louisiana Citizens Property Insurance Corporation

The Louisiana Citizens Property Insurance Corporation must not transfer, donate, or dispose of emergency assessment monies until all bonds or indebtedness secured by those assessments are paid in full or defeased. Within 90 days of satisfaction, the governing board must adopt a resolution certifying this and directing transfer of excess emergency assessment monies to the Louisiana Fortify Homes Program Fund. The corporation must submit the resolution and a report within 60 days of transfer to legislative committees and post on its website.

HB 825: INSURANCE: Provides relative to the Stated Value Homeowner's Policy Act

HB 356: INSURANCE/PROPERTY: Creates the Stated Value Homeowner's Policy Act

SB 137: INSURERS: Requires insurers to notify the Department of Insurance upon ceasing, pausing, or resuming the writing of policies in a particular region. (1/1/26)

Took effect 1 January 2026

HB 121: INSURANCE: Provides prohibitions relative to public adjusters and home improvement contractors

HB 345: INSURANCE/PROPERTY: Provides for notices relative to residential property insurance

Insurers must mail or deliver written notice of cancellation or nonrenewal of residential property insurance policies at least forty-five days prior to the effective date of cancellation or nonrenewal, except when termination is for nonpayment of premium. Insurers must include in the notice the cause for which the insurer is failing to renew the policy.

Took effect 1 July 2026

HB 122: INSURANCE: Creates the Louisiana Roof Registry (EN +$45,430 SG EX See Note)

Creates the Louisiana Roof Registry within the Department of Insurance as a voluntary registry where property owners and local/municipal governments may submit building permit information, and authorizes the commissioner to adopt rules governing the registry's operation and use of submitted information.

HB 1219: Climate Change, Homeowner's Insurance, and Emergency Management - Study

Requires the University System of Maryland to conduct a study evaluating the relationship between climate change, homeowner's insurance availability and pricing, and emergency preparedness, with findings due by July 1, 2027, and authorizes up to $100,000 from the Strategic Energy Investment Fund for the study.

Took effect 1 June 2026

SB 739: Climate Change, Homeowner's Insurance, and Emergency Management - Study

Requires the University System of Maryland to conduct a study evaluating the relationship between climate change, homeowner's insurance availability and pricing, and emergency preparedness, with findings and recommendations due to the General Assembly by January 1, 2027.

Took effect 1 June 2026

SB 747: Condominiums - Unit Owner Responsibility for Damage or Destruction and Mandatory Insurance Coverage

Unit owners in residential condominiums (except detached units in all-detached condominiums) must maintain a condominium unit owner insurance policy including coverage for the council's property insurance deductible, personal property, loss of use for 12 months, $500,000 personal liability, $25,000 loss assessment, and dwelling coverage of at least $25,000 or the amount necessary to repair alterations and improvements. Unit owners are responsible for repair costs up to the least of total cost, the council's deductible, or $25,000 if damage originates from their unit. Councils must annually notify unit owners of these responsibilities.

Took effect 1 October 2026

HB 1148: Residential Condominium Unit Insurance - Lapses in Coverage - Prohibition on Denial

A property and casualty insurer may not deny coverage based on a prior lapse in coverage of the applicant if the lapse was due to the choice of the applicant and was not due to losses incurred by or the claims history of the applicant.

Took effect 1 October 2025

HF 4133: Homeowner's insurance policies specified exclusions prohibited when damage is done by a peace officer.

Insurers of homeowner's insurance policies must not exclude coverage for property damage when a homeowner is an innocent third party entitled to just compensation and damage results from a peace officer's use of chemical irritants, smoke screens, or diversionary devices. Insurers must allow homeowners to choose mitigation contractors and industrial hygienists for assessment and remediation.

SB 2409: Mississippi Department of Insurance; establish comprehensive mitigation program for retrofitting insurable homes.

The Mississippi Department of Insurance must establish and administer the Strengthen Mississippi Homes Program to provide financial grants not exceeding $15,000.00 per recipient to single-family, site-built, owner-occupied residential property owners or commercial property owners for retrofitting to resist hurricane, tornado, or catastrophic windstorm damage. Insurance companies must notify clients of program availability within thirty days after filing discount schedules.

Took effect 1 July 2026

HB 1611: Property and casualty insurance coverage; require 45-day notice before change in coverage of.

Insurers must mail or deliver written notice to insureds and named creditor loss payees not less than 45 days before the effective date of renewal, cancellation, reduction of coverage, or nonrenewal of property and casualty insurance, automobile insurance, and workers' compensation insurance. If insurers fail to provide required notice, insureds may continue policies for 45-day increments at existing premium rates until notice is provided.

Took effect 1 July 2025

HB 959: Comprehensive Hurricane Damage Mitigation Program; extend repealer on.

Extends the repeal date of the Comprehensive Hurricane Damage Mitigation Program within the Department of Insurance from July 1, 2025 to July 1, 2028, allowing the program to continue operating during this extended period.

Took effect 1 July 2025

HB 533: Revise insurance laws relating to wildfire and real property

Admitted insurers that use a wildfire risk score in underwriting or rating real property must provide requesters with the current wildfire risk score, the range of possible scores, the creator's name, creation date, and key adverse factors. Insurers must provide this information in writing within 15 days of request.

HB 136: Revise property insurance laws relating to preventative measures to reduce damage

Insurers may provide benefits or premium reductions to homeowners insurance policyholders for preventative measures reducing fire, wind, or hail damage. Insurers must disclose such benefits or reductions in writing. Such reductions do not constitute illegal rebates or midterm premium increases.

SB 565: requiring the commissioner of the insurance department to prepare and publish a report regarding fortified home and commercial standards, and other mitigation and resiliency programs.

The commissioner of the insurance department must develop and make available consumer information and a report on fortified home and commercial standards and mitigation programs by January 1, 2028, and every 5 years thereafter. The commissioner must develop fortified home and commercial standards with reference to science-based standards from national insurance organizations. Due consideration must be given to these standards when determining insurance rates.

Takes effect 1 January 2027

A 11367: Extends provisions of the property/casualty insurance availability act and the authority of the New York property insurance underwriting association

Extends the expiration date of provisions in the property/casualty insurance availability act from June 30, 2026 to June 30, 2029, affecting rate regulation and underwriting association authority under New York insurance law.

A 112: Repeals section 3403 of the insurance law relating to anti-arson applications

A 2056: Relates to flood insurance limits

Mortgagees shall not require mortgagors to purchase flood insurance on improved residential real property at a coverage amount exceeding the lesser of the replacement value or the outstanding principal mortgage balance, and shall not require coverage for contents. Mortgagees must provide notice to mortgagors stating that required flood insurance protects only the lender's interest and may be insufficient.

Took effect 15 May 2025

SB 2374: AN ACT to create and enact two new sections to chapter 26.1-30, two new sections to chapter 26.1-39, a new section to chapter 26.1-44, and a new subsection to section 26.1-46-03 of the North Dakota Century Code, relating to mandatory arbitration endorsements for property insurance, managed repair programs, civil remedy actions against property insurers, notice of property insurance claims, and surplus lines insurance policies; to amend and reenact sections 26.1-02-05, 26.1-25-02.1, 26.1-25-16, 26.1-26-04.1, 26.1-44-03, 26.1-46-01, 26.1-46-08, and 26.1-46-08.1 of the North Dakota Century Code, relating to exceptions to unauthorized insurance transactions, exceptions for large commercial risks in fire, property, and casualty insurance rates, surplus lines insurance, risk retention groups and purchasing groups, restrictions on insurance purchased by purchasing groups, and purchasing group taxation and fees; to repeal section 26.1-44-03.3 of the North Dakota Century Code, relating to an exemption from search requirements for licensed surplus line producers; to provide for a legislative management report; and to provide a penalty.

Insurers must obtain written acceptance from named insureds for mandatory binding arbitration endorsements on property policies, with clear disclosure of waived rights including jury trial and the premium discount amount. Insurers offering managed repair programs must prominently disclose vendor restrictions and provide separate disclosure forms. Insurers must comply with notice requirements for property insurance claims, barring claims not reported within one year of loss or supplemental claims not reported within eighteen months.

HB 1027: AN ACT to amend and reenact sections 26.1-01-03, 26.1-22-01, 26.1-22-02, 26.1-22-02.1, 26.1-22-03.1, 26.1-22-09, 26.1-22-10, 26.1-22-11, 26.1-22-14, 26.1-22-16, 26.1-22-17, 26.1-22-21, and 26.1-22-22, subdivisions a and c of subsection 1 of section 26.1-23.1-01, and section 37-03-13 of the North Dakota Century Code, relating to changing the administration of the state fire and tornado fund from the insurance commissioner to the office of management and budget; to repeal sections 26.1-22-03, 26.1-22-05, 26.1-22-06, 26.1-22-06.1, 26.1-22-08, 26.1-22-10.1, 26.1-22-13, 26.1-22-15, 26.1-22-18, 26.1-22-19, and 26.1-22-21.1 of the North Dakota Century Code, relating to the administration of the state fire and tornado fund; to provide for a legislative management study; and to provide a continuing appropriation.

The office of management and budget must manage the state fire and tornado fund, provide insurance coverage to state agencies, political subdivisions, and winter shows against fire, tornado, windstorm, and other specified perils, certify assessments, and procure excess loss reinsurance. Insured entities must report property values and pay assessments within sixty days.

HB 1084: Insurance; assignment of benefits; prohibited activity; effective date.

A person shall not solicit or accept an assignment of post-loss insurance benefits for property damage under auto collision or comprehensive, residential property, or commercial property insurance policies. Assignment agreements violating this prohibition are null and void and unenforceable. Exceptions apply to assignments to federally insured financial institutions, mortgagees, subsequent property purchasers, and liability coverage.

Took effect 1 November 2025

HB 1257: Roofing Contractor Registration Act; registration requirements; complaints; forwarding complaints to the Insurance Department and Office of the Attorney General; refer to district attorney; effective date.

A residential or commercial roofing contractor shall not advertise or promise to pay all or part of any applicable insurance deductible or offer to compensate an insured for providing any service as an inducement to the sale or provision of goods or services. Every roofing contractor shall provide written notification of these requirements with its initial estimate.

Took effect 1 November 2025

SB 829: Relating to affordable housing; and declaring an emergency.

The Department of Consumer and Business Services must establish a program to assist eligible entities in paying property and liability insurance premiums for affordable housing, shelter facilities, Project Turnkey sites, and navigation centers. Eligible entities must purchase and maintain required insurance coverage. The department must adopt rules and submit annual reports by December 15.

SB 85: Relating to wildfire risk reduction; and declaring an emergency.

The Department of Consumer and Business Services and the Department of the State Fire Marshal, in consultation with the State Forestry Department and insurance industry representatives, shall evaluate and develop recommendations for community-based wildfire risk mitigation actions and strategies. They must jointly submit a report to the Legislative Assembly's interim committees related to wildfire no later than February 2, 2026.

HB 7066: An act relating to insurance -- casualty insurance generally -- limitations on policy cancellations and renewals

Insurers must furnish written notice at least thirty days prior to renewal of any coverage reductions, elimination, or increased deductibles not requested by the insured for automobile liability and property damage insurance and homeowners or residential fire insurance. For homeowners and residential fire insurance, insurers must provide nonrenewal notice at least sixty days prior to renewal as of July 1, 2027. Notices must be captioned and itemized.

HB 2518: Relating to the use of installment premium payment plans on Texas Windstorm Insurance Association policies.

The Texas Windstorm Insurance Association must prohibit the use of premium financing arrangements on its policies. This prohibition applies because multiple installment payment plans are available directly through the association at no additional cost to the insured.

Took effect 1 September 2025

HB 2213: Relating to the composition of the board of directors of the Texas Windstorm Insurance Association.

The Texas Windstorm Insurance Association board of directors must include three members who are insurance industry representatives actively writing or selling windstorm and hail insurance in first tier coastal counties and are state residents. At least one member appointed under Subsection (c) must be a property and casualty agent licensed under the Insurance Code, actively offering or selling Texas windstorm and hail insurance policies, and not a captive agent. Three members must reside outside a catastrophe area.

Took effect 1 September 2025

HB 2517: Relating to the applicability of premium and maintenance taxes to the Texas Windstorm Insurance Association and Texas FAIR Plan Association.

Exempts the Texas Windstorm Insurance Association and Texas FAIR Plan Association from premium and maintenance taxes under Insurance Code Chapters 221 and 252. The exemption applies to tax liability accruing in the 2023 calendar year and later, effective September 1, 2025.

Took effect 1 September 2025

HB 3689: Relating to funding of excess losses and operating expenses of the Texas Windstorm Insurance Association; authorizing an assessment; authorizing a surcharge.

The Texas Windstorm Insurance Association may enter into financing arrangements with the state for up to $500 million before a catastrophic event and up to $1 billion after one. The comptroller shall invest economic stabilization fund balances to provide this financing. Insurers must collect catastrophe surcharges on specified policies to repay financing obligations.

Took effect 1 September 2025

SB 213: Relating to prohibiting insurers from requiring the tying of residential property and personal automobile insurance policies.

Authorized insurers writing property and casualty insurance in Texas must not make the issuance, delivery, or renewal of a residential property insurance policy contingent on purchasing a personal automobile insurance policy from the same or affiliated insurer, or vice versa. Violations constitute unfair methods of competition or unfair or deceptive acts or practices.

Took effect 1 September 2025

SB 458: Relating to an appraisal process for disputed losses under personal automobile or residential property insurance policies.

Insurers delivering, issuing for delivery, or renewing personal automobile or residential property insurance policies in Texas must include an appraisal provision complying with Chapter 1813. The appraisal provision must provide a dispute resolution process to determine the amount of loss when disputed between policyholder and insurer. The commissioner shall adopt implementing rules.

Took effect 1 September 2025

HB 48: Wildland Urban Interface Modifications

Counties must annually assess fees against owners of high risk wildland urban interface property beginning January 1, 2026, retain a portion for implementation costs, and transmit the remainder to the Division of Forestry, Fire, and State Lands. Counties must adopt wildland urban interface building standards. Wildland urban interface property and casualty insurers must use only the division's wildfire risk assessment mapping tool boundary to determine if property is high risk.

Took effect 1 January 2026

HB 677: Residential property owners; insurance policies, roofing services by contractors.

Contractors must not pay, waive, or rebate insurance deductibles for residential property owners. Contractors must include specific disclosures in advertisements and contracts about deductibles, unauthorized public adjusting, and consumer protection violations. Contractors must provide good faith estimates before repairs and include cancellation rights notices for contracts entered within 180 days of emergency declarations.

Takes effect 1 January 2027

SB 402: Residential property owners; insurance policies, roofing services by contractors.

Contractors must not knowingly or willfully pay, waive, or rebate insurance deductibles for residential property owners. Contractors must not solicit property owners without disclosing in 12-point font that owners are responsible for deductibles and that deductible waivers violate consumer protection law. Contractors must provide good faith estimates, include required notices in contracts, and allow cancellation within 10 days for contracts entered within 180 days of emergency declarations.

Takes effect 1 January 2027

HB 1628: Fire insurance; assignment of claims prohibited.

No person insured under a fire insurance policy or fire insurance policy combined with other coverages shall assign or transfer the duties, rights, or benefits arising from a claim or covered loss to any other person without written consent of the insurer. Any contract provision violating this section is void and unenforceable.

Took effect 1 July 2025

SB 1154: Fire insurance; assignment of claims prohibited.

A person insured under a fire insurance policy shall not assign or transfer the duties, rights, or benefits arising from a claim or covered loss to any other person without written consent of the insurer. Any contract provision violating this prohibition is void and unenforceable. The prohibition does not apply to authorizing payment for covered services or materials, or assigning rights to seek damages from settlements or judgments exceeding liability coverage.

Took effect 1 July 2025

HB 1516: Conducting a study of insurance coverage options for permanently affordable homeownership units.

Requires the office of the insurance commissioner to conduct a study on insurance coverage options for permanently affordable homeownership units to reduce condominium construction defect liability costs, and submit findings and recommendations to the legislature by December 31, 2026.

HB 5462: Relating to Mine Subsidence

Every insurer issuing or renewing an insurance policy on a structure in West Virginia must include mine subsidence coverage at a separately stated premium unless waived by the insured, except in specified counties where coverage is only provided if requested. The deductible must be between $250 and $500, and total insured value may not exceed $200,000.

SB 531: Relating to: postloss assignment of rights or benefits under property insurance policies to residential contractors and providing a penalty. (FE)