Revise property insurance laws relating to preventative measures to reduce damage

Added requirement to comply with local, state, or federal fire prevention or community preparedness programs as part of wildfire mitigation measures.

Removed a provision regarding valuable consideration or inducement not specified in the policy, except as provided in applicable commissioner filings.

Clarified that policy cancellation rules still apply during the initial 60-day period, ensuring insurers can cancel policies for other permitted reasons.

Added specific list of fire preventative measures including ignition-resistant materials, exterior glazing, defensible space landscaping, fire alarm systems, and compliance with wildland-urban interface codes

Added specific list of wind and hail preventative measures including resistant roof shingles, anchoring outdoor furniture, tree pruning, and protective coverings

Clarified that benefits or premium reductions for preventative measures do not constitute illegal rebates under existing insurance laws

Added requirement that insurers must disclose benefit or premium reductions in writing to policyholders

Updated three existing insurance statutes (33-15-1108, 33-16-203, and 33-18-210) to explicitly permit premium reductions for preventative measures

Removed 'using ignition-resistant, fire-resistive, or noncombustible building materials' and 'providing annual confirmation of defensible space landscaping' from the list of qualifying fire preventative measures.

Added 'installing fire alarm or emergency alarm systems' and 'complying with International Wildland-Urban Interface Code' as new qualifying fire preventative measures.

Added 'providing sufficient access to property for firefighting equipment and emergency vehicles' as a new qualifying fire preventative measure.

Added 'anchoring outdoor furniture' and 'installing protective coverings' as new qualifying wind and hail preventative measures.

Added formal definition of 'Benefit' to clarify it includes rebates, discounts, abatement, credit, premium reduction, or other advantages under preventative measures agreements.

Added explicit language confirming that benefits or premium reductions under this section do not constitute illegal rebates under existing law.

Changed bill version number from HB 136 to HB 136.2 and updated formatting throughout the document.

Added specific preventative measures for fire (ignition-resistant materials, defensible space, fire alarms) and wind/hail (resistant roof shingles, anchoring outdoor furniture, tree pruning) that qualify for premium reductions.

Modified language to require insurers to disclose benefit or premium reductions in writing to policyholders.

Clarified that premium reductions for preventative measures do not constitute illegal midterm premium increases or rebates under existing law.

Updated bill numbering and formatting from HB0136.2 to HB0136 throughout the document.

Added requirement for ignition-resistant building materials, exterior glazing for fire protection, and materials designed to stop flame spread and prevent building collapse.

Added requirement for installing fire alarm or emergency alarm systems as a preventative measure.

Added requirement to comply with International Wildland-Urban Interface Code if a building is located in a wildland-urban interface area.

Added requirement to provide sufficient access to property for firefighting equipment and emergency vehicles.

Reorganized the list of fire preventative measures to include the new requirements in a clearer numbered format.

Updated related insurance code sections to clarify that premium reductions for preventative measures do not constitute illegal rebates.

Added specific fire preventative measures including fire-resistive building materials, adequate water sources, defensible space landscaping, and compliance with local fire prevention programs.

Added specific wind and hail preventative measures including resistant roof shingles, anchoring outdoor furniture, pruning trees, and protective coverings.

Updated midterm premium increase limitations to ensure they only apply to specific risk changes, misrepresentation, or requested policy changes, preventing arbitrary rate hikes.

Added formal definitions for 'Benefit' and 'Policyholder' to clarify what constitutes a premium reduction under the new preventative measures program.

Modified premium reduction eligibility to explicitly include benefits for preventative measures taken by policyholders, alongside existing benefits for seniors and National Guard members.

Clarified that premium reductions for preventative measures do not constitute illegal rebates under existing anti-rebate laws, providing legal certainty for insurers.

Added requirement for compliance with International Wildland-Urban Interface Code for buildings in wildfire-prone areas

Added requirement that insurers must provide written notice of any benefit or premium reduction to policyholders

Added definitions for 'benefit' and 'policyholder' to clarify what premium reductions and discounts qualify under the law

Expanded eligible preventative measures to include anchoring furniture, pruning trees, and installing protective coverings

Added explicit language stating that premium reductions for preventative measures do not constitute illegal rebates under existing law

Added requirement for ignition-resistant building materials in addition to existing fire-resistive and noncombustible materials

Added requirement for exterior glazing designed to stop flame spread and prevent building collapse

Added requirement for installing fire alarm or emergency alarm systems

Added requirement to comply with International Wildland-Urban Interface Code for buildings in those areas

Added requirement to provide sufficient access to property for firefighting equipment and emergency vehicles

Reordered the list of preventative measures to include the new requirements in a more logical sequence

Bill number changed from LC 0197 to HB 136.1, indicating it is now a House Bill rather than a Legislative Committee bill.

Reordered the sentence structure regarding written notification of premium reductions or benefits to improve clarity.

Added provisions allowing benefits or premium reductions for telematics agreements and preventative measures, expanding the scope of eligible insurance benefits.