Prohibiting the post-loss assignment of benefits in property insurance.

HB 2399 prohibits property insurance policyholders from assigning their post-loss insurance benefits to third parties (like contractors) after a claim occurs. This directly affects homeowners and renters who might otherwise sign agreements transferring control of their insurance claims to repair companies. The bill makes such assignments void and unenforceable, while allowing exceptions for licensed public adjusters, attorneys working for the homeowner, and mortgage lenders. Violations can result in $50,000 fines per incident, with enforcement handled by the Insurance Commissioner.