Concerning wildfire risk models and score disclosure.

HB 2277 requires insurers in Washington to disclose wildfire risk scores and related details to homeowners. Specifically, insurers must provide property owners with their current wildfire risk score, the score range, who created it, when it was generated, and key factors that increased the score - along with actionable steps to improve it - within 15 days of coverage decisions or renewals. The bill also mandates insurers to file wildfire risk models with the insurance commissioner, explain how these models impact premiums, and incorporate property-specific or community wildfire mitigation efforts (like defensible space or forest treatments) into their scoring systems. Homeowners can appeal inaccurate scores, and insurers must respond to appeals within 30 days. This bill directly affects residential property owners in wildfire-prone areas and insurers selling property insurance in Washington.