HB 1555: Insurers' Liabilities and Responsibilities
GENERAL BILL by Cassel
Insurers' Liabilities and Responsibilities; Requires surplus lines insurers to comply with valued policy law; requires insurers' decisions to deny claims to be reviewed, approved, & signed off by qualified human professionals; prohibits artificial intelligence, machine learning algorithms, & automated systems from serving as basis for denying claims; requires insurers to maintain certain records of human review process for denied claims; requires insurers to include certain information in denial communications to claimants; authorizes OIR to audit claim denials.
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Bill History
Date Chamber Action 2/28/2025 House • Filed
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HB 1555, Original Filed Version (Current Bill Version) Posted 2/28/2025 at 4:13 PM
Bill Text: PDF Analyses: None Related Bills (2)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 328 Applicability of Valued Policy Law to Surplus Lines Insurers Garcia Compare Last Action: 2/3/2025 S Referred to Banking and Insurance; Judiciary; Rules 
S 794 Mandatory Human Reviews of Insurance Claim Denials Bradley Compare Last Action: 2/28/2025 S Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
Citations - Statutes (5)
Citation Catchline Location in Bill Location In Bill Help 626.926 Liability of insurer as to losses and unearned premiums. Page 2 (pdf) 627.4263 Page 2 (pdf) 627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage. Page 8 (pdf) 627.702 Valued policy law. Page 3 (pdf) 627.7142 Homeowner Claims Bill of Rights. Page 8 (pdf)