SB 1141 Hawaii Senate · 2026 Regular Session

RELATING TO INSURANCE PROTECTIONS.

Summary

Requires insurers offering homeowners insurance policies to comply with certain minimum requirements in cases of losses of owner-occupied residences due to a catastrophic disaster. Appropriates funds. Effective 7/1/2050. (SD1)

Bill status passed 3 of 5 stages cleared

Introduction

Jan 2025

Committee Review

Feb 2025

Senate Passage

Feb 2025

House Passage

Governor

Introduced Jan 17, 2025 Last action Dec 8, 2025

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What changed between versions

SB1141 → SB1141_SD1 · 4 edits

MODERATE

The bill was amended to broaden its scope from specifically addressing 'wildfires' to covering all 'catastrophic disasters' declared by the governor. This change updates the definitions, requirements, and descriptions to apply to any major disaster event rather than just fires, ensuring broader consumer protection. The effective date for the new requirements was also significantly delayed from July 1, 2025, to July 1, 2050.

Scope change

The bill's scope expanded from covering only 'wildfire disasters' to covering any 'catastrophic disaster' declared by the governor, making the insurance protections applicable to a wider range of emergency events.

DEFINITION

The definition of the covered event was changed from 'wildfire' and 'wildfire disaster' to the broader term 'catastrophic disaster', defined as any state of emergency declared by the governor.

REQUIREMENT

All specific insurance requirements (such as coverage limits, loss run reports, and additional living expenses) were updated to apply to losses caused by 'catastrophic disasters' instead of just wildfires.

TIMELINE

The effective date for the new provisions was delayed from July 1, 2025, to July 1, 2050.

TECHNICAL

The bill title and description were updated to reflect the change from 'Wildfires' to 'Catastrophic Disasters', and the report title was pluralized to 'Appropriations'.

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

Feb 12, 2025

Upper · Passed

Report adopted; Passed Second Reading, as amended (SD 1) and referred to WAM/JDC.

upper

Feb 12, 2025

Committee

Reported from CPN (Stand. Com. Rep. No. 380) with recommendation of passage on Second Reading, as amended (SD 1) and referral to WAM/JDC.

upper

Feb 4, 2025

Upper · Passed

The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 4 Aye(s): Senator(s) Keohokalole, Fukunaga, Richards, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) McKelvey.

upper

Jan 24, 2025

Upper · Passed

The committee(s) on CPN has scheduled a public hearing on 01-31-25 9:30AM; Conference Room 229 & Videoconference.

upper

Jan 23, 2025

Committee

Referred to CPN, WAM/JDC.

upper

Jan 17, 2025

Introduced

Introduced.

upper

4 primary · 1 co-sponsor