fire insurance; policy cancellation; prohibition

HB 2800 prohibits insurance companies from canceling or refusing to renew fire insurance policies for 24 months after a governor declares a state of emergency due to a natural disaster or wildfire. It specifically protects homeowners and businesses whose properties are located within five miles of the affected disaster area. The law applies only when a state of emergency is declared under Arizona law, preventing insurers from dropping coverage during this critical recovery period. This policy change directly affects residents and businesses in wildfire-prone communities following declared disasters.