HB3799 - 104th General Assembly (2025-2026)

INS-CLIMATE RISK DISCLOSURE
Last Action
10/30/2025 - House: Placed on Calendar Order of Concurrence Senate Amendment(s) 2, 3
Statutes Amended In Order of Appearance
215 ILCS 5/143.15  from Ch. 73, par. 755.15
215 ILCS 5/143.17  from Ch. 73, par. 755.17
215 ILCS 5/Art. XLVIII heading new  
215 ILCS 5/1801 new  
215 ILCS 5/1805 new  
215 ILCS 5/1810 new  
215 ILCS 5/1815 new  
Synopsis As Introduced
Amends the Illinois Insurance Code. Provides that specified notices of cancellation of insurance must be mailed at least 30 days prior to the effective date of cancellation to the named insured if the effective date of cancellation is within the first 60 days of coverage. Provides that, after the coverage has been effective for 61 days or more, all notices must be mailed at least 60 days prior to the effective date of cancellation. Makes conforming changes. Creates the Climate Risk Disclosure Article. Provides that the Article applies to all companies licensed in Illinois under Classes 2 and 3 that write $100,000,000 or more annually in premiums. Allows the monetary threshold to be altered by rule. Requires all insurers subject to the Article to, upon direction from the Department of Insurance, participate in National Association of Insurance Commissioners issued climate surveys and Department issued climate surveys.

House Committee Amendment No. 1
Adds reference to:
215 ILCS 5/132  from Ch. 73, par. 744
215 ILCS 5/132.3  from Ch. 73, par. 744.3
Replaces everything after the enacting clause with the provisions of the introduced bill with the following changes: Provides that a data call does not need a warrant or a final report. Imposes penalties for failure to comply with a data call or a specified written order. Provides that the Director of Insurance may issue a data call to any company to collect any information within that company or its affiliate's control. Exempts the information provided through a data call from disclosure in a civil action and treats the information as confidential and privileged information that cannot be waived as a result of responding to the data call. Provides that the penalty imposed upon a company that or person who violates or aids and abets any violation of a written order under specified provisions of the Code shall be paid into the Insurance Producer Administration Fund.

House Floor Amendment No. 2
Removes language requiring certain insurers to participate in Department of Insurance-issued climate surveys.

Senate Floor Amendment No. 2
Deletes reference to:
215 ILCS 5/132  
215 ILCS 5/132.3  
215 ILCS 5/143.15  
215 ILCS 5/1810 new  
215 ILCS 5/1815 new  
Adds reference to:
215 ILCS 5/1802 new  
215 ILCS 5/1803 new  
215 ILCS 5/1804 new  
Replaces everything after the enacting clause. Amends the Illinois Insurance Code. In provisions regarding the notice of intention not to renew a policy of insurance, provides that no company may impose renewal premium increases of more than 10% for policies of fire and extended coverage insurance that are subject to certain cancellation requirements, unless the company mails or delivers by electronic means to the named insured and the Department of Insurance notice of the increase in renewal premium at least 60 days before the policy renewal or anniversary date. Creates the Rates for Fire and Extended Coverage Insurance Article. Contains provisions concerning the purpose and applicability of the Article. Prohibits rates from being excessive, inadequate, or unfairly discriminatory, as specified. Sets forth provisions concerning determinations and notice from the Department and hearings on the notice. Provides that credible State-specific loss experience shall be used in the development of rates whenever that data is available and statistically reliable. Authorizes insurers, in order to meet actuarial standards of credibility, to supplement State-specific loss experience with countrywide, regional, or out-of-state loss experience. Effective January 1, 2027.

Senate Floor Amendment No. 3
Provides that, if the Department of Insurance believes that a filing is excessive, inadequate, or unfairly discriminatory, the Department shall send the affected company notice within 60 days after receipt of a complete filing. Specifies that the Director of Insurance's objection to a filing under the Rates for Fire and Extended Coverage Insurance Article of the Code is subject to judicial review under the Administrative Review Law.
Actions
DateChamberAction
2/07/2025HouseFiled with the Clerk by Rep. Bob Morgan
2/18/2025HouseFirst Reading
2/18/2025HouseReferred to Rules Committee
3/11/2025HouseAssigned to Insurance Committee
3/12/2025HouseAdded Co-Sponsor Rep. Michelle Mussman
3/12/2025HouseHouse Committee Amendment No. 1 Filed with Clerk by Rep. Bob Morgan
3/12/2025HouseHouse Committee Amendment No. 1 Referred to Rules Committee
3/13/2025HouseHouse Committee Amendment No. 1 Rules Refers to Insurance Committee
3/20/2025HouseHouse Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote
3/20/2025HouseDo Pass as Amended / Short Debate Insurance Committee; 011-006-000
3/21/2025HousePlaced on Calendar 2nd Reading - Short Debate
3/26/2025HouseSecond Reading - Short Debate
3/26/2025HouseHeld on Calendar Order of Second Reading - Short Debate
4/08/2025HouseHouse Floor Amendment No. 2 Filed with Clerk by Rep. Bob Morgan
4/08/2025HouseHouse Floor Amendment No. 2 Referred to Rules Committee
4/08/2025HouseHouse Floor Amendment No. 2 Rules Refers to Insurance Committee
4/09/2025HouseAdded Chief Co-Sponsor Rep. Thaddeus Jones
4/09/2025HouseHouse Floor Amendment No. 2 Recommends Be Adopted Insurance Committee; 011-004-000
4/10/2025HouseHouse Floor Amendment No. 2 Adopted
4/10/2025HousePlaced on Calendar Order of 3rd Reading - Short Debate
4/10/2025HouseThird Reading - Short Debate - Passed 075-038-000
4/10/2025HouseAdded Co-Sponsor Rep. Rita Mayfield
4/10/2025HouseAdded Co-Sponsor Rep. Camille Y. Lilly
4/10/2025HouseAdded Co-Sponsor Rep. Michael Crawford
4/10/2025HouseAdded Co-Sponsor Rep. Kimberly Du Buclet
4/10/2025HouseAdded Co-Sponsor Rep. Jehan Gordon-Booth
4/14/2025SenateArrive in Senate
4/14/2025SenatePlaced on Calendar Order of First Reading
4/14/2025SenateChief Senate Sponsor Sen. Laura Ellman
4/14/2025SenateFirst Reading
4/14/2025SenateReferred to Assignments
4/15/2025HouseAdded Co-Sponsor Rep. Mary Beth Canty
10/28/2025SenateApproved for Consideration Assignments
10/28/2025SenatePlaced on Calendar Order of 2nd Reading
10/28/2025SenateSecond Reading
10/28/2025SenatePlaced on Calendar Order of 3rd Reading October 29, 2025
10/28/2025SenateAlternate Chief Sponsor Changed to Sen. Don Harmon
10/29/2025SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Michael E. Hastings
10/29/2025SenateSenate Floor Amendment No. 1 Referred to Assignments
10/29/2025SenateSenate Floor Amendment No. 1 Assignments Refers to Insurance
10/29/2025SenateAlternate Chief Sponsor Changed to Sen. Michael E. Hastings
10/29/2025SenateSenate Floor Amendment No. 2 Filed with Secretary by Sen. Michael E. Hastings
10/29/2025SenateSenate Floor Amendment No. 2 Referred to Assignments
10/29/2025SenateSenate Floor Amendment No. 1 Postponed - Insurance
10/29/2025SenateSenate Floor Amendment No. 2 Be Approved for Consideration Assignments
10/30/2025HouseChief Sponsor Changed to Rep. Robyn Gabel
10/30/2025HouseRemove Chief Co-Sponsor Rep. Thaddeus Jones
10/30/2025HouseRemoved Co-Sponsor Rep. Michelle Mussman
10/30/2025HouseRemoved Co-Sponsor Rep. Rita Mayfield
10/30/2025HouseRemoved Co-Sponsor Rep. Camille Y. Lilly
10/30/2025HouseRemoved Co-Sponsor Rep. Michael Crawford
10/30/2025HouseRemoved Co-Sponsor Rep. Kimberly Du Buclet
10/30/2025HouseRemoved Co-Sponsor Rep. Jehan Gordon-Booth
10/30/2025HouseRemoved Co-Sponsor Rep. Mary Beth Canty
10/30/2025SenateSenate Floor Amendment No. 3 Filed with Secretary by Sen. Michael E. Hastings
10/30/2025SenateSenate Floor Amendment No. 3 Referred to Assignments
10/30/2025SenateAdded as Alternate Co-Sponsor Sen. Sara Feigenholtz
10/30/2025SenateSenate Floor Amendment No. 3 Be Approved for Consideration Assignments
10/30/2025SenateAdded as Alternate Chief Co-Sponsor Sen. Doris Turner
10/30/2025SenateRecalled to Second Reading
10/30/2025SenateSenate Floor Amendment No. 1 Tabled Pursuant to Rule 5-4(a)
10/30/2025SenateSenate Floor Amendment No. 2 Adopted; Hastings
10/30/2025SenateSenate Floor Amendment No. 3 Adopted; Hastings
10/30/2025SenatePlaced on Calendar Order of 3rd Reading
10/30/2025SenateThird Reading - Passed; 041-015-001
10/30/2025HouseArrived in House
10/30/2025HousePlaced on Calendar Order of Concurrence Senate Amendment(s) 2, 3
10/30/2025HouseSenate Floor Amendment No. 2 Motion Filed Concur Rep. Robyn Gabel
10/30/2025HouseSenate Floor Amendment No. 3 Motion Filed Concur Rep. Robyn Gabel
10/30/2025HouseSenate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee
10/30/2025HouseSenate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee
10/30/2025HouseSenate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Rules Committee; 003-002-000
10/30/2025HouseSenate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Rules Committee; 003-002-000
10/30/2025SenateAdded as Alternate Chief Co-Sponsor Sen. Meg Loughran Cappel
10/30/2025SenateAdded as Alternate Co-Sponsor Sen. Mattie Hunter
10/30/2025HouseSenate Floor Amendment No. 2 Motion to Concur Lost 056-037-006
10/30/2025HouseSenate Floor Amendment No. 3 Motion to Concur Lost 056-037-006
10/30/2025SenateAdded as Alternate Co-Sponsor Sen. Cristina Castro
10/31/2025HouseSenate Floor Amendment No. 2 Motion Filed Concur Rep. Robyn Gabel
10/31/2025HouseSenate Floor Amendment No. 3 Motion Filed Concur Rep. Robyn Gabel
10/31/2025HouseSenate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee
10/31/2025HouseSenate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee