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WashingtonSB 54192025-2026 Regular SessionSenateWALLET

Modifying reports of fire losses.

Sponsored By: John Lovick (Democratic)

Became Law

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Insurers must report property fire losses

Effective July 27, 2025, insurers must report each property fire loss in Washington. They must file within 90 days after closing the claim, or after any later non‑de minimis change or investigation. Reports must include the address, date, amounts paid by coverage, known origin and cause, and the insurer’s NAIC number. If they suspect crime or a non‑accidental cause, they must report it right away to local or tribal police and to the insurance commissioner, and share their investigation on request. Reporting follows the method the commissioner sets and may use a third‑party vendor. This duty does not replace other required reports to agencies. The reporting rules are not enforceable until one year after the commissioner adopts implementing rules.

Private fire-loss data with limited sharing

Fire‑loss reports and insurer investigations sent to the insurance commissioner are confidential and privileged. They are exempt from public records requests and civil subpoenas to the commissioner or processors, and staff generally cannot testify about them in private civil cases. The commissioner can share the data with the NAIC, other regulators, law enforcement, the state fire marshal, rating bureaus, and local or tribal fire and police officials, who must keep it confidential. Uses are limited: the fire marshal may plan for wildfire and resiliency; rating bureaus may analyze risk; and local officials may plan for public safety, but none may publish personal details. Law enforcement and prosecutors may use the data to investigate and prosecute crimes and release information needed for due process. One year after reporting starts, the commissioner posts quarterly public summaries by zip code that do not identify people or companies.

Insurers get immunity for crime reports

Insurers are immune from civil lawsuits for reporting suspected criminal fires to law enforcement and the insurance commissioner, and for cooperating with criminal subpoenas. People generally cannot sue over these reports unless they prove the insurer acted with actual malice.

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Sponsors & Cosponsors

Sponsor

  • John Lovick

    Democratic • Senate

Cosponsors

  • Ron Muzzall

    Republican • Senate

  • Sharon Shewmake

    Democratic • Senate

  • T'wina Nobles

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 189 • No: 4

Senate vote • 4/22/2025

Final Passage as Amended by the House

Yes: 47 • No: 1

House vote • 4/14/2025

Final Passage as Amended by the House

Yes: 95 • No: 2 • Other: 1

Senate vote • 2/28/2025

3rd Reading & Final Passage

Yes: 47 • No: 1 • Other: 1

Actions Timeline

  1. Effective date 7/27/2025.

    5/12/2025Senate

  2. Chapter 225, 2025 Laws.

    5/12/2025Senate

  3. Governor signed.

    5/12/2025legislature

  4. Delivered to Governor.

    4/25/2025legislature

  5. President signed.

    4/24/2025legislature

  6. Speaker signed.

    4/24/2025legislature

  7. Senate concurred in House amendments.

    4/22/2025House

  8. Passed final passage; yeas, 47; nays, 1; absent, 0; excused, 0.

    4/22/2025Senate

  9. Third reading, passed; yeas, 95; nays, 2; absent, 0; excused, 1.

    4/14/2025Senate

  10. Rules suspended. Placed on Third Reading.

    4/14/2025Senate

  11. Committee amendment(s) adopted as amended.

    4/14/2025Senate

  12. Rules Committee relieved of further consideration. Placed on second reading.

    4/11/2025Senate

  13. Referred to Rules 2 Review.

    4/2/2025Senate

  14. Minority; without recommendation.

    4/1/2025Senate

  15. CPB - Majority; do pass with amendment(s).

    4/1/2025Senate

  16. CPB - Executive action taken by committee.

    4/1/2025Senate

  17. First reading, referred to Consumer Protection & Business.

    3/4/2025Senate

  18. Third reading, passed; yeas, 47; nays, 1; absent, 0; excused, 1.

    2/28/2025Senate

  19. Rules suspended. Placed on Third Reading.

    2/28/2025Senate

  20. 1st substitute bill substituted.

    2/28/2025Senate

  21. Placed on second reading by Rules Committee.

    2/19/2025Senate

  22. Passed to Rules Committee for second reading.

    2/14/2025Senate

  23. Minority; without recommendation.

    2/13/2025Senate

  24. BFT - Majority; 1st substitute bill be substituted, do pass.

    2/13/2025Senate

  25. First reading, referred to Business, Financial Services & Trade.

    1/22/2025Senate

Bill Text

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