TO AMEND PROPERTY AND CASUALTY LAW; AND TO REQUIRE REASONABLE PROOF OF PAYMENT OF A DEDUCTIBLE TO RECOUP RECOVERABLE DEPRECIATION UNDER PROPERTY AND CASUALTY LAW.

HB 1811 would have required property insurance policyholders to provide proof of deductible payment (such as canceled checks or receipts) before insurers could pay recoverable depreciation on claims. It directly affected homeowners and businesses filing property insurance claims, as well as property insurers handling those claims. The bill’s key provision would have allowed insurers to withhold recoverable depreciation payments until proof of deductible payment was received, and failure to pay deductibles would have been classified as a fraudulent insurance act. The bill was withdrawn on April 14, 2025, and is no longer active.