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Bill

HB 2613

fire insurance review task force

57th Legislature - First Regular Session Introduced by Stephanie Stahl Hamilton

Arizona establishes task force to examine fire insurance market barriers and recommend solutions for improving homeowner access and affordability.

House Second Reading
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Bill Summary · HB 2613

Legislative bill overview

HB 2613 establishes a task force to review fire insurance availability and affordability issues in Arizona. The bill directs the task force to examine current market conditions, identify barriers to insurance access, and make recommendations for legislative or regulatory action.

Why is this important

Arizona has experienced increased wildfire activity and insurance carrier exits from the state market, making fire insurance harder to obtain and more expensive for homeowners and businesses. A comprehensive review could inform policy solutions to address insurance affordability and availability gaps that affect property owners' ability to protect assets and manage risk.

Potential points of contention

  • Scope and authority: Disagreement over whether the task force has sufficient power to implement recommendations or is merely advisory, potentially limiting its effectiveness
  • Insurance industry perspective: Carriers may argue that rate increases and market restrictions reflect legitimate actuarial risk, while consumer advocates contend regulations should prioritize affordability
  • Cost allocation: Questions about who bears financial responsibility for insurance solutions—whether through state programs, private market adjustments, or consumer premiums

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

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