SB 2960 Hawaii Senate · 2026 Regular Session

RELATING TO PROPERTY INSURANCE.

Summary

Establishes a minimum time frame of twenty-four months following loss due to declared state of emergency for the policyholder to submit documentation to recover full replacement cost value of covered dwelling or structure. Allows extensions for good cause. Establishes a minimum time frame of twelve months from completion of covered dwelling or structure for the policyholder to submit documentation to recover full replacement cost value of covered personal property. Requires homeowners insurers to give timely notice to policyholders to explain the time frames and extensions. Effective 7/1/3000. (HD1)

Bill status passed both 4 of 5 stages cleared

Introduction

Jan 2026

Committee Review

Apr 2026

Senate Passage

Mar 2026

House Passage

Apr 2026

Governor

Introduced Jan 23, 2026 Last action Apr 27, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

SB2960_HD1 → SB2960_SD1 · 5 edits

MODERATE

This bill expands the time frame for homeowners to collect full insurance payouts after a disaster from 24 to 36 months, while also increasing the maximum possible extension period from 36 to 60 months. The changes aim to provide greater financial protection for residents facing long-term rebuilding delays caused by supply chain issues, labor shortages, and permit backlogs. Additionally, the bill updates the effective date to July 1, 2050, and adjusts the bill's title and description to reflect the new 'disaster recovery' focus.

Scope change

The bill's applicability remains the same (statewide for homeowners insurance), but the scope of protection is significantly widened by extending the recovery timelines.

TIMELINE

Increased the minimum time frame for submitting documentation to recover full replacement cost value for dwellings from 24 months to 36 months.

Extended the maximum total recovery period for dwellings with extensions from 36 months to 60 months.

Changed the effective date of the Act from July 1, 3000, to July 1, 2050.

REQUIREMENT

Updated the trigger for the personal property recovery timeline from a 'declared state of emergency' to a 'declared disaster or emergency'.

TECHNICAL

Revised the bill title and description to replace 'Declared State of Emergency' with 'Disaster Recovery' to better reflect the expanded scope.

Floor votes

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Apr 16, 2026

Amended

Senate disagrees with House amendments.

upper

Apr 16, 2026

Introduced

Received from House (Hse. Com. No. 718).

upper

Apr 14, 2026

Lower · Passed

Passed Third Reading with none voting aye with reservations; none voting no (0) and Representative(s) Quinlan excused (1). Transmitted to Senate.

lower

Apr 7, 2026

Lower · Passed

The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 11 Ayes: Representative(s) Matayoshi, Grandinetti, Chun, Ilagan, Ichiyama, Iwamoto, Kong, Lowen, Marten, Tam, Pierick; Ayes with reservations: none; Noes: none; and Excused: none.

lower

Mar 12, 2026

Committee

Referred to CPC, referral sheet 17

lower

Mar 10, 2026

Introduced

Received from Senate (Sen. Com. No. 326) in amended form (SD 1).

lower

Mar 10, 2026

Upper · Passed

Passed Third Reading, as amended (SD 1). Ayes, 25; Aye(s) with reservations: none. Noes, 0 (none). Excused, 0 (none). Transmitted to House.

upper

Mar 5, 2026

Upper · Passed

Report adopted; Passed Second Reading, as amended (SD 1).

upper

Feb 25, 2026

Upper · Passed

The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 5 Aye(s): Senator(s) Keohokalole, Fukunaga, Lamosao, McKelvey, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.

upper

Feb 20, 2026

Upper · Passed

The committee(s) on CPN has scheduled a public hearing on 02-25-26 9:32AM; Conference Room 229 & Videoconference.

upper

Jan 30, 2026

Committee

Referred to CPN.

upper

Jan 23, 2026

Introduced

Introduced.

upper

4 primary · 2 co-sponsors