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Bill

SB 4006

CLIMATE RISK & STRENGTHEN HOME

104th Regular Session Introduced by Christopher Belt and 7 co-sponsors

Illinois bill establishes climate risk protections and strengthening requirements for residential homeowners insurance to address growing weather-related property damage costs.

Public Act . . . . . . . . . 104-0534
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Bill Summary · SB 4006

Legislative bill overview

SB 4006 addresses climate-related risks to residential properties in Illinois by establishing new requirements or protections for homeowners insurance. The bill, sponsored by State Senators Julie Morrison and Christopher Belt, has been assigned to the Insurance Committee for review and currently faces postponement, with a committee deadline set for March 27, 2026.

Why is this important

As climate change increases extreme weather events—flooding, storms, and wildfires—homeowners face rising insurance costs or coverage denials. Illinois legislation in this area could affect insurance affordability and availability for hundreds of thousands of residents while also influencing how insurers assess and price climate-related risks. The bill's outcome may shape whether homeowners or insurers bear the financial burden of climate-related property damage.

Potential points of contention

  • Insurance industry concerns: Insurers may resist requirements that could expand coverage or limit their ability to deny policies based on climate risk assessments, citing profitability concerns
  • Cost implications: Mandating broader coverage or protections could increase premium costs for all policyholders or require state subsidies
  • Scope and definitions: Disagreement over which climate risks qualify for protection and what "strengthen home" requirements mean in practice (retrofitting standards, disclosure rules, etc.)

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

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