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LEGISLATURE
OF
THE
STATE
OF
IDAHO
Sixty-eighth
Legislature
Second
Regular
Session
-
2026
IN
THE
HOUSE
OF
REPRESENTATIVES
HOUSE
BILL
NO.
618
BY
BUSINESS
COMMITTEE
AN
ACT
1
RELATING
TO
INSURANCE;
AMENDING
CHAPTER
24,
TITLE
41,
IDAHO
CODE,
BY
THE
AD
-
2
DITION
OF
A
NEW
SECTION
41
-
2402,
IDAHO
CODE,
TO
ESTABLISH
PROVISIONS
RE
-
3
GARDING
TRANSPARENCY
REQUIREMENTS
FOR
FIRE
INSURERS;
AND
DECLARING
AN
4
EMERGENCY
AND
PROVIDING
AN
EFFECTIVE
DATE.
5
Be
It
Enacted
by
the
Legislature
of
the
State
of
Idaho:
6
SECTION
1.
That
Chapter
24,
Title
41,
Idaho
Code,
be,
and
the
same
is
7
hereby
amended
by
the
addition
thereto
of
a
NEW
SECTION
,
to
be
known
and
des
-
8
ignated
as
Section
41
-
2402,
Idaho
Code,
and
to
read
as
follows:
9
41
-
2402.
FIRE
INSURERS
-
-
TRANSPARENCY
REQUIREMENTS.
(1)
A
fire
in
-
10
surer
shall
submit
complete
rate
filings
to
the
director
of
the
department
1
1
of
insurance
at
least
sixty
(60)
days
prior
to
use.
If
the
fire
insurer
uses
12
a
wildfire
risk
model,
catastrophe
model,
or
wildfire
risk
scoring
method
to
13
assign
risk,
the
insurer's
filing
shall
not
be
considered
complete
unless
14
such
wildfire
risk
model,
catastrophe
model,
or
wildfire
risk
scoring
method
15
used
to
assign
risk
is
included,
along
with
a
description
of
the
model,
the
16
impact
of
the
model
on
rates,
an
actuarial
justification
for
all
rating
17
factors,
mitigation
discounts
offered,
and
an
explanation
of
the
use
of
the
18
model
in
underwriting
decisions.
19
(2)
A
fire
insurer
shall
make
available
and
readily
accessible
on
its
20
public
website
information
on
any
premium
discounts,
incentives,
or
other
21
premium
adjustments
that
are
available
to
policyholders
who
undertake
prop
-
22
erty
-
specific
mitigation
actions
or
provide
evidence
of
community
-
level
23
mitigation
actions
and
the
process
for
appealing
a
wildfire
risk
score.
The
24
website
shall
identify,
as
applicable:
25
(a)
Property
-
specific
mitigation
actions
for
the
policyholder
to
un
-
26
dertake
and
community
-
level
mitigation
actions
that
could
result
in
a
27
discount,
incentive,
or
other
premium
adjustment;
and
28
(b)
The
amount
of
the
discount,
incentive,
or
other
premium
adjustment
29
associated
with
each
action.
30
(3)
An
insurer
that
provides
a
mitigation
discount
or
that
uses
a
wild
-
31
fire
risk
model
or
risk
score
to
underwrite,
nonrenew,
price,
create
a
rate
32
differential,
or
surcharge
the
premium
based
on
the
policyholder's
or
ap
-
33
plicant's
wildfire
risk
shall
provide
an
annual
written
notice
to
each
pol
-
34
icyholder
or
applicant
upon
application
for
property
insurance
of
the
ap
-
35
plicable
mitigation
discounts,
the
wildfire
risk
score,
and
any
other
wild
-
36
fire
risk
classification
used
by
the
insurer
to
underwrite,
nonrenew,
price,
37
create
a
rate
differential,
or
surcharge
the
premium
based
on
the
policy
-
38
holder's
or
applicant's
wildfire
risk.
Such
notice
shall
include:
39
(a)
A
plain
-
language
explanation
of
the
wildfire
risk
score
or
other
40
wildfire
risk
classification,
including
an
explanation
that
insurers
41
2
may
use
different
models
and
have
different
risk
score
ranges
that
could
1
result
in
different
risk
scores
from
other
insurers;
2
(b)
The
range
of
scores
or
classifications
that
could
potentially
be
3
assigned
to
the
property;
4
(c)
The
relative
position
of
the
score
or
classification
assigned
to
5
the
property
within
that
range
of
possible
scores
or
classifications
6
provided
by
the
insurer's
risk
model;
7
(d)
A
written
explanation
of
why
the
policyholder
or
applicant
received
8
the
assigned
score
or
classification
that
identifies
the
primary
fea
-
9
tures
of
the
property
that
influenced
the
assignment
of
the
score
or
10
classification;
and
1
1
(e)
The
impact,
if
any,
that
each
property
-
specific
or
community
-
level
12
mitigation
action
could
have
on
a
wildfire
risk
score
or
classification
13
assigned
to
the
property.
14
(4)
An
insurer
shall
provide
the
wildfire
risk
score
or
classification:
15
(a)
To
an
applicant,
no
later
than
fifteen
(15)
days
after
the
submis
-
16
sion
of
the
applicant's
completed
application
to
the
insurer;
17
(b)
To
a
policyholder,
in
the
offer
of
renewal;
18
(c)
To
a
policyholder
that
is
not
being
offered
a
renewal,
with
the
non
-
19
renewal
notice;
and
20
(d)
To
a
policyholder
or
applicant,
if
that
policyholder
or
applicant
21
has
completed
a
property
-
specific
mitigation
action
or
provides
evi
-
22
dence
of
a
community
-
level
mitigation
action
in
sufficient
proximity
to
23
the
property
to
reduce
the
risk
of
loss
since
the
time
of
the
application
24
to
or
renewal
by
the
insurer,
no
later
than
thirty
(30)
days
after
the
25
submission
to
the
insurer
of
the
policyholder's
or
applicant's
request
26
that
the
insurer
provide
a
revised
wildfire
risk
score
or
classifica
-
27
tion.
28
(5)(a)
The
department
of
insurance
shall
annually
collect
informa
-
29
tion
from
fire
insurers
regarding
Idaho
-
specific
exposures,
premiums,
30
claims,
and
related
information.
The
department
shall
determine
the
31
applicability,
scope,
method,
and
exact
data
requested
for
such
annual
32
data
collection.
33
(b)
Any
documents
created
from
the
data
collected
by
the
department
of
34
insurance
pursuant
to
this
section
that
are
not
anonymized
and
aggre
-
35
gated
shall
be
exempt
from
disclosure
under
public
records
law
as
pro
-
36
prietary
information.
37
(6)
No
later
than
January
1,
2027,
the
department
shall
make
available
38
on
its
public
website
information
to
educate
consumers,
including
but
not
39
limited
to:
40
(a)
Anonymized
and
aggregated
data
from
the
annual
data
collection
pur
-
41
suant
to
subsection
(5)
of
this
section;
and
42
(b)
Basic
information
regarding
fire
or
property
insurance,
such
43
as
coverage
availability,
exclusions,
premiums,
and
mitigation
dis
-
44
counts.
45
(7)
The
department
of
insurance
may
promulgate
rules,
subject
to
leg
-
46
islative
approval,
to
carry
out
the
provisions
of
this
section.
47
SECTION
2.
An
emergency
existing
therefor,
which
emergency
is
hereby
48
declared
to
exist,
this
act
shall
be
in
full
force
and
effect
on
and
after
49
July
1,
2026.
50