storm related insurance claims
SB 1206 regulates insurance claims and repair contracts following catastrophic storms in Arizona. It prohibits public adjusters from representing clients during active storms or emergencies and bans them from working on repairs they are adjusting. For residential repair contracts, the bill requires contractors to include clear cancellation rights (72 hours after claim denial and 4 business days after signing), detailed repair estimates with specific damage descriptions, and a 50% down payment cap. Homeowners gain protections like refunds within 10 days of cancellation and mandatory written change orders for contract modifications.
Bill status
signed
all 5 stages cleared
Introduction
Jan 2026
Committee Review
Senate Passage
Jun 2026
House Passage
Apr 2026
Signed into Law
Jun 2026
Introduced Jan 20, 2026
Signed Jun 19, 2026
Maddy AI version diff · 3 comparisons
What changed between versions
Senate Engrossed Version (03/10/2026)
→
Chaptered Version
·
1 edit
MINOR
The bill was finalized into Chapter 157 after being passed by the Senate. The substantive policy change adds a critical exception to a rule that previously prohibited contractors from working on storm-damaged properties during public safety emergencies. This new language allows contractors to provide essential services or prevent immediate further damage, ensuring homeowners can still get urgent help when their homes are at risk.
Scope change
The bill's scope regarding contractor restrictions was narrowed by adding an exemption for emergency maintenance and damage prevention.
REQUIREMENT
Added an exception allowing contractors to perform essential services or prevent immediate further damage on damaged premises during public safety emergencies, overriding the previous blanket prohibition on working while such emergencies are active.
Floor votes · Senate Mar 2, 2026 · House Apr 15, 2026
How they voted
29–0
Passed · 1 other
Total votes 30
Mar 2, 2026
D
Democratic13
92% Yea
R
Republican17
100% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
16
Key actions
9
Committee
0
Amendments
4
Jun 19, 2026
Signed into law
Signed by Governor
executive
Jun 9, 2026
Upper · Passed
PASSED
upper
Apr 15, 2026
Lower · Passed
PASSED
lower
Apr 9, 2026
Lower · Passed
DPA
lower
Mar 24, 2026
Lower · Passed
DPA
lower
Mar 10, 2026
Upper · Passed
PASSED
upper
Mar 2, 2026
Upper · Passed
PASSED
upper
Mar 2, 2026
Upper · Passed
DPA
upper
Feb 16, 2026
Upper · Passed
DPA
upper
1 primary · 0 co-sponsors
Sponsors
Role
Legislator
Party
State
District
P
Frank Carroll
RRepublican
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