Transcript Highlights:

• This specifies that the requirement for an insurer to provide the insured with certain information about
• This is the bill modifying the insurance fraud program administered by the Insurance Commissioner.
• This is named after kind of a pioneer in the insurance industry.
• Oh, no, the insurance industry—sorry, my bills mixed up.
• With this bill we are setting up a Washington Travel Insurance Act, and with this new line of insurance

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• claim.
• Under the misdemeanor, it's already unlawful to knowingly present a false or fraudulent insurance claim
• The cost of insurance is not because of disclosures; it's because of claims costs, and this bill will
• the claims cost, which is what the driver of insurance pricing is.
• Insurance Commissioners' Travel Insurance Model Act.

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• claim.
• And when they are in that position of completely controlling the insurance claim, that can result in
• claim process.
• Many of these contracts assign claims for other benefits that the insured is owed or other rights they
• And this lets the insurance companies who mishandled claims get off the hook.

Bills: SB5831, SB6178

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling

Transcript Highlights:

• I am licensed by the Texas Department of Insurance and other state departments of insurance as a public
• insurance adjuster.
• Our study found an average difference between appraisal award and the insurance offer of repair claims
• I think if she... ...follows those same guidelines, it'll be good for the insured and the insurer.
• on total loss claims.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Insurance carriers frequently deny claims for necessary tests or surgeries, only acknowledging minor
• I have been an insurance-based provider, with 98% of my clientele billed through insurance.
• We're seeing increased rates and reduced coverage from private insurance. ...insurers will exacerbate
• claims, it cannot be done. ...to add multiple claims, we have to do each claim unless they agree.
• Essentially, unless the insurance company agrees to batch them, we have to do every single claim potentially

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Sections 610, 611, and 612 outline the claims resolution process, including the authorization of court
• as a salaried employee of an insurer or managing general agent.
• Don Isaacson, welcome. without taking the examination to only adjust claims as a salaried employee of
• an insurer or managing general agent and specifies this adjuster license is valid and renewable only
• I'm here on behalf of State Farm Insurance in support of Senate Bill 1415.

Bills: SB1181, SB1252, SB1254, SB1415

Keywords: certified public accountants, CPA certification, accounting regulations, professional standards, continuing education, assignment for benefit of creditors, ABC act, insolvency, creditor claims, debt liquidation, business wind-up, receivership, liquidation, secured creditors, unsecured creditors, proof of claim, voidable transactions, fraudulent transfer, wage claims, priority claims

Transcript Highlights:

• To establish a special commission to study access to unemployment insurance in the Commonwealth.
• So constituents consistently reach out to our office to report extensive delays in processing claims,
• stakeholders, analyze claim data, and examine best practices.
• The increase in the backlogs led to significant delays in decisions and processing claims.
• These measures would help reduce the backlog and free up DUA resources to adjudicate claims.

Bills: H5188

Keywords: unemployment insurance, labor, access, special commission, equity in claims, 1212, all

Transcript Highlights:

• The assignment of benefits transfers insurance claim rights and benefits to that third party.
• I'm the Director of Property Claims for PEMCO Insurance. I've been with PEMCO for 38 years.
• insurance that could never result in payment of any claims for any insured under the policy would be
• insurance that could never result in payment of any claims for any insured under the policy would be
• There is an insurance coverage issue relating to the historic claims of sexual assault.

Bills: HB2428, HB2399, HB2087

Keywords: life insurance, policy lapse, policy cancellation, nonpayment of premium, premium grace period, lapse notice, termination notice, third-party notice, third-party designee, beneficiary protection, consumer protection, insurance regulation, insurer notice requirements, policyholder, beneficiary, Washington RCW, insurance code, unintentional lapse, coverage continuation, premium delinquency

Summary: The committee held public hearings on three insurance bills. House Bill 2428 would require life insurers to send advance written notice before terminating an individual life insurance policy for nonpayment, including notice of the three-year reinstatement right, and would allow policyholders to designate a third party to receive lapse notices. The prime sponsor and the Office of the Insurance Commissioner said the bill is intended to prevent unintentional lapses, especially for older adults or people with cognitive decline. The life insurance industry supported the consumer goal but asked for a delayed implementation date and noted a need for a small technical amendment. House Bill 2399 would prohibit post-loss assignments of benefits in property insurance, making such agreements void and subject to enforcement by the Insurance Commissioner. The prime sponsor, the OIC, the Washington State Association for Justice, PEMCO, and the National Insurance Crime Bureau all testified in support, saying the practice can let contractors take over claim rights, create leverage for inflated claims, and leave homeowners without control over their own insurance claims after a loss. Members asked about steering by adjusters, whether homeowners could still authorize contractors or direct payment, and the size of the proposed $50,000 fine; witnesses said the bill does not bar direct payment to contractors or other lawful representation and that the penalty would go to the general fund. House Bill 2087 would enact the Washington Travel Insurance Act, largely based on the NAIC model, to regulate travel insurance sales, licensing, disclosures, and unfair trade practices. The sponsor and industry witnesses said the bill would expand consumer choices and standardize rules, while the OIC supported much of the framework but raised concerns about claim adjustment by unlicensed adjusters. The Attorney General’s Office asked for language clarifying that existing discrimination and consumer protection laws still apply. The committee then moved into work sessions on flood insurance, wildfire mitigation recommendations from a prior work group, and a feasibility study on a joint underwriting association for certain child care services, with staff and agency presentations outlining current market conditions and policy options.

Transcript Highlights:

• Insurance agents and brokers are engaging in the business of insurance and should be subject to the insurance
• Domestic bail bond insurers, foreign bail bond insurers, and alien bail bond insurers.
• They handle insurance operations among insurance carriers.
• They handle insurance operations among insurance carriers.
• I myself have been a victim of an insurance claim. I've been through the process myself. I know it.

Bills: S0266, S0394, S0540, S0632, S0642, S0832, S0834, S1028

Keywords: public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance

Summary: The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably. The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written. Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.

Transcript Highlights:

• I'd like to call this committee meeting in Business and Insurance to order. Good morning, everyone.
• It would require claims to be paid within 30 calendar days of the PBM receiving the claim.
• They do own their own insurance companies, and they do own their own pharmacies.
• PBMs claim they save money. Let me repeat that.
• With that, I call this meeting, Business and Insurance, adjourned.

Bills: SB1673, SB1500, SB1447, SB1646, SB2007, SB1275, SB2074

Keywords: prosthetics, health insurance, medical necessity, patient rights, insurance liability, pharmacy benefits manager, healthcare providers, claims processing, reimbursement, insurance regulation, employees insurance, contract awarding, certifications, state procurement, insurance plan, mental health, substance use disorders, utilization review, benefit coverage, pharmacy

Summary: The Senate Business and Insurance Committee met to consider several bills, with the chair emphasizing pharmacy benefit managers (PBMs) and the impact on local and rural pharmacies. Before taking up the bills, the committee announced that Senate Bills 1620 and 1625 would be laid over. The committee also adopted an amendment to Senate Bill 1673 to exempt certain state-funded flexible benefit plans, and then passed the bill, which creates the Prosthetic Access and Accountability Act of 2026 and requires health plans that already cover prosthetic benefits to administer them without disability-based discrimination. The committee then passed several PBM-related measures. Senate Bill 1500 requires PBMs to reimburse rural pharmacies within 30 calendar days. Senate Bill 1447 adds safeguards to the Oklahoma Employee Insurance Plan by restricting PBM contracts, including disfavoring PBMs involved in recent lawsuits or those affiliated with insurers, retail pharmacy chains, specialty pharmacies, mail-order pharmacies, or drug manufacturers. Senate Bill 1646 strengthens utilization review standards for mental health and substance use disorder treatment, and Senate Bill 2007 prohibits PBMs from reducing reimbursement after a successful appeal and adds administrative fees when they fail to make required adjustments. The committee also passed Senate Bill 1275, which requires upfront disclosure of all fees for short-term rental bookings such as Airbnb and VRBO, with only tax added at checkout. Finally, the committee passed Senate Bill 2074 after extensive debate; it would require fairer and more transparent PBM reimbursement using a Medicaid-based methodology and a professional dispensing fee, with supporters arguing it would help independent and community pharmacies and opponents raising concerns about consumer costs and legal issues. All bills considered in the meeting were reported out with favorable votes, and the meeting adjourned after the chair noted one more meeting would be held the following week.

Transcript Highlights:

• They'll come in like to call this committee meeting of Business and Insurance to order.
• It would require claims to be paid within 30 calendar days of the PBM... Receiving the claim.
• PBMs claim they save money. Let me repeat that.
• If PBMs claim they save money but yet drug costs and premiums keep rising.
• But the PM and their parent insurance company.

Bills: SB1673, SB1500, SB1447, SB1646, SB2007, SB1275, SB2074

Keywords: prosthetics, health insurance, medical necessity, patient rights, insurance liability, pharmacy benefits manager, healthcare providers, claims processing, reimbursement, insurance regulation, employees insurance, contract awarding, certifications, state procurement, insurance plan, mental health, substance use disorders, utilization review, benefit coverage, pharmacy

Transcript Highlights:

• House File 4222 would extend the same framework to all types of property insurance claims where there's
• Our members have an obligation to their insureds to fairly pay legitimate claims per the terms of the
• agent was how many claims my insurance company solved without any appraisal process, without any adjudication
• And what happens is the insurance companies get overwhelmed by how many claims have to be processed.
• or to settle claims, because I'm getting ready, and I couldn't [hear] my insurance company.

Bills: HF4881, HF4867, HF4422, HF4223

Keywords: healthcare, insurance, regulation, financial institutions, prescription drug affordability, consumer protection, restitution account, financial compensation, attorney general, distributions, property insurance, homeowners insurance, fire and allied lines, hail insurance, appraisal clause, loss adjustment, alternative dispute resolution, insurance claims, claim valuation, actual cash value

Transcript Highlights:

• It also requires insurers that deliver or issue individual life insurance policies to notify the applicant
• benefit under property insurance coverage is assigned or transferred from the insured to another, and
• of travel insurance, licensing a limited lines travel insurance producer, registering travel retailers
• under the insurance code for acts committed by any unlicensed... ...travel insurance producer would
• insurers, and authorized insurers, and even the people who... ...insurers and authorized insurers and

Bills: HB2428, HB2399, HB2087, HB2629, HB2483, HB2477

Keywords: life insurance, policy lapse, policy cancellation, nonpayment of premium, premium grace period, lapse notice, termination notice, third-party notice, third-party designee, beneficiary protection, consumer protection, insurance regulation, insurer notice requirements, policyholder, beneficiary, Washington RCW, insurance code, unintentional lapse, coverage continuation, premium delinquency

Summary: The Consumer Protection and Business Committee met on February 4, 2026, and did not hold public hearings. House Bill 2629 was removed from consideration and not advanced. The committee was briefed on House Bill 2428, which would require insurers to give 30 days’ written notice before an individual life insurance policy lapses for nonpayment and to notify applicants of the right to designate a third party for lapse notices; the committee adopted Representative Ryu’s amendment clarifying the notice applies to nonpayment lapses, adjusting proof-of-delivery language, and adding a January 1, 2027 effective date. The committee also considered House Bill 2399, which would prohibit assignment of post-loss property insurance benefits. Supporters described it as a way to curb predatory assignments that transfer policyholder rights to contractors, while opponents argued it can help homeowners get repairs completed and return home, especially after flooding or other losses. The bill was reported out on a narrow 8-7 vote, with members noting the issue may need further work. House Bill 2087, creating the Washington Travel Insurance Act, was also advanced after a proposed substitute made changes to conflict-of-law language, attorney exclusions, child support-related license suspension, supervision liability, and rate-setting provisions; it passed 12-3. The committee then took up House Bill 2483 on data brokers and a public registry. Members adopted three amendments: one narrowing exemptions for entities with customer or business relationships, one delaying penalties until notice of noncompliance and making the registry public, and one exempting publicly available or already published information. Supporters said the bill would make hidden data practices visible and improve transparency, while opponents warned it was still too broad and could sweep in retailers, public entities, or other unintended actors. The amended bill passed 8-7. Finally, House Bill 2477, with an amendment limiting appraiser liability to clients and named intended users and clarifying appraisal reports, was unanimously reported out of committee. The committee then adjourned after thanking staff on cutoff day.

Transcript Highlights:

• It would add acts to the crime of insurance fraud, like submitting a bill or a claim to an insurer or
• Also, submitting a bill or a claim to an insurer or insurance consumer using a health care procedure
• claim would be considered insurance fraud.
• insurance fraud.
• fraud schemes, padding insurance claims, fraudulent insurance claims, they want to go after organized

Bills: HB2361, HB2542, HB2629, HB2394, HB2274, HB1078, HB2294

Keywords: small loans, consumer protection, financial regulation, lending limits, credit access, animal testing, alternatives, ethical research, animal welfare, scientific methods, infrastructure, protection, safety, security, state regulations, public safety, insurance fraud, law enforcement, crime, penalties

Summary: The Consumer Protection and Business Committee held public hearings on several bills. House Bill 2542 would require animal testing facilities, contract testing facilities, and manufacturers to use validated non-animal alternatives in drug development when available, unless federal regulators request animal testing. Staff and the prime sponsor described the bill as building on federal FDA modernization efforts and prior Washington action on cosmetics. Supporters, including students, animal welfare advocates, and biotech-related groups, testified that modern alternatives are more humane and scientifically relevant, while an industry representative said animal testing remains necessary for now and asked for amendments to protect patient safety and scientific research. No vote was taken. House Bill 2629 would address theft and destruction of critical communications infrastructure by restricting cash transactions for nonferrous metal, creating civil penalties for stolen copper used in telecommunications cable, and making destruction of critical communications infrastructure a Class C felony and criminal profiteering offense. The prime sponsor and telecom witnesses said copper and fiber thefts are causing widespread outages affecting 911, hospitals, schools, and first responders, and that Washington has seen a sharp rise in incidents. Scrap metal industry representatives supported parts of the bill but said more effective tools would be transaction-record sharing, evidence retention, and searchable databases; a prosecutor also said the bill falls short without stronger evidence-gathering provisions. No action was taken. House Bill 2394 would expand the insurance fraud program and redefine insurance fraud as a Class B felony, adding acts such as fraudulent billing, misrepresentation in claims, and appraisal manipulation. The bill also broadens the Insurance Commissioner’s investigative tools, expands who can be considered a victim for restitution, and requires certain reporting of suspected crimes. The Insurance Commissioner’s office, the bill sponsor, and insurance industry groups said the measure responds to increasingly sophisticated, technology-driven fraud schemes and would help protect consumers as well as insurers. The committee also heard House Bill 2361, which would raise the maximum small loan amount from $700 to $1,200 and index it to inflation. The sponsor and lender representative said the current cap is outdated and that the bill would provide a legal credit option for emergencies without changing fees or safeguards, while AARP, labor, poverty, and legal aid witnesses opposed it as a return to predatory debt traps that would increase costs for low-income borrowers and older adults. The Department of Financial Institutions raised implementation questions about inflation adjustments and publication requirements. No votes were taken on any bill.

Transcript Highlights:

• The appraisal clause is a mechanism that promotes fairness and efficiency in settling insurance claims
• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• If the insurer is not able to communicate with the insured during that period, they must pay the claim
• The insured also has a duty to cooperate with the insurer in the defense of that claim.
• It shifts the duty to the insurer and then makes them pay a claim that may be disputed, which they may

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• Section 544.002 of the Insurance Code is intended to protect individuals from having insurance companies
• Credit-based insurance scores have been used in insurance for a few decades.
• in the claim is doing.
• Those claims are pretty rare in auto; that's like 1 out of 5,000 paid or payable claims.
• My insurance claim adjuster came out and told me my car was a total loss upon looking at it, and my understanding

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• I just tell the patient to get on the phone and call the insurance company because what the insurers.
• The first thing is with the other disclosures that are required that an insurer provide to an insured
• So, all this does is just require the insurer to notify the insured that you have a right to request
• assign to single insureds.
• We've just had a good discussion about the loophole in the Texas insurance code that allows insurance

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• A claim is a formal notice sent to the insurer or the party involved before a lawsuit is filed.
• In many cases, a pre-suit notice is sent when an insurer refuses to pay a claim or fails to meet obligations
• If the claimant or the insured...
• Without insurance, it would have cost her $22 when we process the claim through...
• Flood Insurance Program policies.

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Insurance will come to order. The clerk will call the roll. Dean. That's it.
• Members, healthcare provider insurance credentialing is a process by which insurers validate the qualifications
• The Texas Department of Insurance requires an insurer to determine a provider's eligibility within 90
• The insurer isn't required to include the applicant in its provider directory until approved under the
• The insurer is entitled to payment from the provider and/or their practice to cover the difference from

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• </c><00:31:43.120><c> that</c><00:31:43.279><c> it</c> state has to take with insurance that it state
• claims claims and<00:32:15.120><c> and</c><00:32:15.919><c> uh</c><00:32:17.120><c> Representative</
• </c><00:35:15.280><c> pools</c> it gives our um self- insurance pools it gives our um self- insurance
• But I know not all claims are equal, and that's the concern that I have is I don't want to set the cap
• g a quit In May 2019, a quit claim g a quit claim<02:06:36.560><c> deed</c><02:06:37.119><c> added</

Bills: HB0101, HB0062, HB0109

Keywords: guardianship, monitoring, ward protection, financial independence, case management, governmental claims, liability limits, inflation adjustment, public safety, local government insurance, property tax, tax exemption, homeowner, armed forces, residency requirement, 916, all