pac.dog / Bills

SB 1540 — Requires an insurer that uses a catastrophe model or wildfire risk model or scoring method to provide the Director of the Department of Consumer and Business Services a description of each model or scoring method, along with related information, and an explanation of how the insurer uses the model or scoring method in underwriting decisions.

Congress · introduced 2026-01-15

Digest: Tells an insurer to give to a state agency the details of models the insurer uses to score property for wildfire risk. Tells the insurer to give notice about what actions a policy holder can take to better the risk score. Takes effect 91 days after the session ends. (Flesch Readability Score: 62.4). Requires an insurer that uses a catastrophe model or wildfire risk model<b> or scoring method</b> to provide the Director of the Department of Consumer and Business Services a description of each model<b> or scoring method</b>, along with related information, and an explanation of how the insurer uses the model<b> or scoring method</b> in underwriting decisions. Specifies [<i>elements</i>] that an insurer must [<i>include in</i>]<b> incorporate applicable community-level mitigation actions and property-specific mitigation actions into</b> each model and requires the insurer to give a premium discount or adjustment, or other incentive, to a policy holder that demonstrates having undertaken a property-specific mitigation action or that a community-level mitigation action occurred in proximity to the policy holder's property. Requires an insurer to post on the insurer's website, and provide to an applicant for insurance or a policy holder seeking a renewal, information about premium discounts or adjustments, or other incentives, that are available to applicants or policy holders that undertake a property-specific mitigation action or demonstrate that a community-level mitigation action occurred in proximity to the applicant's or policy holder's property. Permits an applicant or policy holder to appeal an insurer's classification of the applicant's or policy holder's property or to dispute the amount of a premium discount or adjustment or other incentive the insurer provides. Takes effect on the 91st day following adjournment sine die.

Latest action: — In Senate Committee

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Sponsors

No sponsorships on file.

Action timeline

1. 2026-02-02 · state_upper — Introduction and first reading. Referred to President's desk.
2. 2026-02-02 · state_upper — Referred to Natural Resources and Wildfire.
3. 2026-02-10 · state_upper — Public Hearing held.
4. 2026-02-12 · state_upper — Work Session held.
5. 2026-02-17 · state_upper — Recommendation: Do pass with amendments and be referred to Rules. (Printed A-Eng.)
6. 2026-02-17 · state_upper — Referred to Rules by order of the President.
7. 2026-03-02 · state_upper — Public Hearing held.
8. 2026-03-06 · state_upper — In committee upon adjournment.

Text versions

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