Bill
HB 2819
Arizona HB 2819 increases transparency by publicly posting insurers’ pricing, claims, and underwriting data and requiring filing of underwriting guidelines.
Note on source material: The provided document contains text from two distinct bills both labeled “HB 2819” in different jurisdictions. One is an Arizona bill concerning residential property insurance (adding ARS §§20‑123 and 20‑391.01). The other is an Illinois bill amending the General Assembly Organization Act to require that amendments be germane to a bill’s title (adding 25 ILCS 5/3.3). Both are summarized below and clearly identified.
Introduced: February 13, 2025 | Sponsor: Rep. Stephanie Stahl Hamilton
Purpose
- Increase transparency about residential property insurers’ pricing, underwriting, claims activity and fire‑protection ratings; and require filing of underwriting guidelines with the Department of Insurance.
Key provisions
- Adds ARS §20‑123: The Department must annually compile and publish on its publicly accessible website, for each residential property insurer:
1. Premiums and associated fees charged at policy inception.
2. Number of insureds and average premiums paid by ZIP code.
3. Number of insureds denied reinsurance by the same insurer and reasons.
4. Number of insureds denied reinsurance by ZIP code.
5. Number of insureds whose policies lapsed.
6. Number of insurance claims paid by the insurer.
7. Number of claims paid after the insured filed an appeal.
8. Public Protection Classification (fire rating) scores by ZIP/designated area with corresponding premium rates.
9. Total dollar amount collected for premiums each year.
- Defines “residential property insurance” to include residential fire policies, allied lines, and tangible personal property under homeowners policies (coverage for fixed-location residential real property).
- Adds ARS §20‑391.01: Requires every residential property insurer to file its underwriting guidelines with the Department and to update filings whenever guidelines change. Group filings allowed if the filing identifies which guidelines apply to each insurer in the group.
- Underwriting guidelines must be actuarially justified, reasonable, substantially commensurate with the contemplated risk, and may not be unfairly discriminatory.
Who is affected
- Residential property insurers operating in Arizona; Arizona Department of Insurance; homeowners and other residential policyholders; researchers and the public (data consumers).
Potential impacts and considerations
- Increased public transparency of insurer behavior, premiums and claims data.
- Administrative and compliance burdens for insurers and the Department (data collection, reporting, public posting).
- Possible competitive or confidentiality concerns (zip‑code level and premium amounts).
- Could influence underwriting practices and public scrutiny of rate setting and denials.
Introduced: February 6, 2025 | Sponsors: Rep. Chris Miller, Rep. David Friess
Purpose
- Amend the General Assembly Organization Act to require that any amendment to a bill be germane to the bill’s title; create a process to resolve objections to germaneness.
Key provisions
- Adds 25 ILCS 5/3.3: Any amendment offered in either chamber must be germane to the title of the introduced bill; amendments not germane shall not be considered for adoption by the chamber in which offered.
- Provides that any member may object to an amendment as not germane; that objection triggers presentation of the germaneness question to the chamber.
- The chamber decides the question by a vote; if a majority of those voting determine the amendment is germane, it may be considered; if less than a majority finds it germane, the amendment is not considered.
Who is affected
- Members of the Illinois General Assembly and legislative staff; legislative process and rule enforcement; advocates who draft or seek to attach amendments.
Potential impacts and considerations
- Tightens a procedural constraint intended to limit unrelated or “rider” amendments; may reduce the practice of attaching unrelated policy to bills by requiring germane link to the bill title.
- Could increase points‑of‑order, procedural votes, and tactical use of germane objections; practical effect depends on judicial/legislative interpretations of “germane to the title.”
- May affect legislative strategy, timing, and negotiation over amendments.
If you want, I can:
- Produce a side‑by‑side comparison of how each provision would change current law in its respective state;
- Draft likely implementation or compliance timelines for insurers under the Arizona text; or
- Identify legal or administrative issues to watch (confidentiality, data standards, or definitions of “germane”).
Compiled from official sources — confirm details with the bill’s official record.
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