SB 5419 Washington Senate · 2025-2026 Regular Session

Modifying reports of fire losses.

SB 5419 modifies how authorized insurers report fire losses in Washington state. It requires insurers to report fire loss information to the Insurance Commissioner, rather than the Chief of the Washington State Patrol, within 90 days of closing a claim or any significant adjustment. The reported information must include the property address, date of loss, amount paid, and the known origin and cause of the fire, noting if it was due to criminal activity or undetermined causes. Additionally, the bill makes this information, when obtained by the Insurance Commissioner, exempt from public disclosure.
Bill status signed all 5 stages cleared
Introduction
Jan 2025
Committee Review
Apr 2025
Senate Passage
Apr 2025
House Passage
Apr 2025
Signed into Law
May 2025
Introduced Jan 22, 2025 Signed May 12, 2025
Maddy AI version diff · 2 comparisons

What changed between versions

Substitute Bill Substitute Passed Legislature · 6 edits
MODERATE
This bill updates fire loss reporting requirements for insurers, shifting the primary recipient of reports from the Washington State Patrol to the Insurance Commissioner and mandating the use of third-party vendors for data submission. It also expands the scope of shared data to allow the Insurance Commissioner to publish aggregate reports and share information with federal, tribal, and other state agencies for safety and rating purposes, while maintaining confidentiality for individual cases.
Scope change
The bill expands the scope of information sharing to include federal, tribal, and other state authorities, and introduces a new public reporting mechanism for aggregate fire loss data.
REQUIREMENT

Reports on fire losses must now be sent to the Insurance Commissioner instead of the Washington State Patrol, and insurers must use a third-party vendor to submit this data.

Insurers must report the known origin and cause of a fire loss if it has been determined, rather than just suspected causes.

The Insurance Commissioner is authorized to publish quarterly aggregate reports on fire losses by zip code and share data with various law enforcement and regulatory bodies.

Additional details regarding the use of shared data by rating bureaus, the state fire marshal, and local law enforcement were added to clarify permissible uses and privacy limits.

TIMELINE

Reporting requirements cannot be enforced until one year after the Insurance Commissioner adopts the necessary rules.

The Insurance Commissioner must begin posting quarterly aggregate reports twelve months after the reporting requirements start.

Floor votes · Senate Apr 22, 2025 · House Apr 14, 2025

How they voted

491
Passed
Total votes 50
Apr 22, 2025
D Democratic30
30 Yea
100% Yea
R Republican20
19 Yea 1 Nay
95% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
29
Key actions
14
Committee
9
May 12, 2025
Signed into law
Governor signed.
executive
Apr 24, 2025
Lower · Passed
Speaker signed.
lower
Apr 24, 2025
Upper · Passed
President signed.
upper
Apr 22, 2025
Upper · Passed
Passed final passage; yeas, 47; nays, 1; absent, 0; excused, 0.
upper
Apr 22, 2025
Upper · Passed
Senate concurred in House amendments.
upper
Apr 14, 2025
Lower · Passed
Committee amendment(s) adopted as amended.
lower
Apr 14, 2025
House · Passed
House Vote: pass (97-2-1)
house
Apr 2, 2025
Committee
Referred to Rules 2 Review.
lower
Apr 1, 2025
Lower · Passed
Minority; without recommendation.
lower
Apr 1, 2025
Lower · Passed
CPB - Majority; do pass with amendment(s).
lower
Apr 1, 2025
Lower · Passed
Executive action taken in the House Committee on Consumer Protection & Business at 1:30 PM.
lower
Mar 26, 2025
Lower · Passed
Public hearing in the House Committee on Consumer Protection & Business at 1:30 PM.
lower
Feb 13, 2025
Upper · Passed
Minority; without recommendation.
upper
Feb 13, 2025
Upper · Passed
Executive action taken in the Senate Committee on Business, Financial Services & Trade at 8:00 AM.
upper
Jan 29, 2025
Upper · Passed
Public hearing in the Senate Committee on Business, Financial Services & Trade at 8:00 AM.
upper
1 primary · 3 co-sponsors

Sponsors