WeVote
Log In

Bill

HA

Bill

HB 5263

AN ACT CONCERNING THE ASSIGNMENT OF POST-LOSS HOMEOWNERS AND COMMERCIAL PROPERTY INSURANCE BENEFITS, CONSUMER BILL OF RIGHTS AND REVISING DISCLOSURE REQUIREMENTS FOR HOME IMPROVEMENT CONTRACTORS AND SALESPERSONS.

2026 Regular Session Introduced by Hector Arzeno and 7 co-sponsors

Connecticut bill clarifies insurance benefit assignment rights, creates homeowner protections, and mandates contractor transparency disclosures to reduce fraud and claims disputes.

FILE NO. 747
#advertising #claims #consumercontracts #consumerprotection #gashearthproductwork #homeimprovementcontractors #homeowners'insurance #insurancedepartment #insurancecompanies #licenses #propertyinsurance #radon #reports #salespersons #undergroundstoragetanks #violations
0
WeVote Research Nonpartisan
Bill Summary · HB 5263

Legislative bill overview

HB 5263 addresses three distinct insurance and contracting issues in Connecticut: clarifying rules for assigning insurance benefits after property losses, establishing consumer protections for insurance customers, and requiring enhanced disclosure requirements for home improvement contractors and salespeople. The bill consolidates multiple regulatory reforms into one comprehensive measure affecting both insurers and contractors.

Why is this important

Property insurance disputes often arise when homeowners, contractors, and insurers disagree about benefit assignments and claim procedures—this bill aims to clarify those rights and responsibilities. The consumer bill of rights would establish baseline protections for policyholders navigating claims processes. Strengthened contractor disclosure requirements could reduce fraud and deceptive sales practices that disproportionately affect homeowners during vulnerable post-disaster periods.

Potential points of contention

  • Insurer concerns: New assignment rules or benefit restrictions could increase insurer liability or administrative costs, potentially passed to consumers through higher premiums
  • Contractor industry pushback: Expanded disclosure requirements may be viewed as burdensome bureaucracy, particularly for smaller home improvement businesses with limited compliance resources
  • Scope clarity: Combining three distinct policy areas in one bill risks some provisions receiving insufficient legislative scrutiny or inconsistent implementation across agencies

Compiled from official sources — confirm details with the bill’s official record.

Sign in to ask a question.