An Act to create 632.11 of the statutes; Relating to: postloss assignment of rights or benefits under property insurance policies to residential contractors and providing a penalty. (FE)
Sponsored By: Kristin Dassler-Alfheim (Democratic), Mary Felzkowski (Republican), Steve Nass (Republican), Mark Spreitzer (Democratic)
Became Law
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 1 benefits, 3 costs, 0 mixed.
Tougher rules and fines for contractors
If a contractor accepts a postloss assignment, they must seek payment from the insurer first until all legal rights against the insurer are used up. They must give the insurer a copy of the signed assignment within 5 business days. They may accept an assignment only if they can get the needed building permit. Any contract, estimate, or work order paid from insurance must include a signed assignment sent to the insurer before any payment. Breaking these rules can void the contract and can bring fines up to $10,000 per violation after a hearing.
Stronger homeowner rights on postloss assignments
After a catastrophe, a contractor must give you a Notice of Contract Obligations and Rights in at least 10-point bold type before or when you sign. Any postloss assignment must list the work, materials, labor, fees, and the total price. It must state the contractor made no promise of full insurance coverage and include a 14-point warning that you may give up rights. You can cancel the assignment within 5 business days by written notice; mailing before the deadline counts. The assignment does not reduce a mortgagee’s rights, and the contractor can only be a copayee on insurance checks. If the contractor breaks these rules, your contract is void.
Legal limits after assigning your claim
When you assign postloss benefits to a contractor, your insurer automatically gets your rights against that contractor. If you assign, you cannot bring noncontractual claims against the insurer. A contractor may bring a noncontractual claim only for conduct that happened before the assignment and relates to the same loss.
No deductible rebates or claim negotiating by contractors
Contractors cannot advertise or promise to rebate any part of an insurance deductible. They also cannot represent or negotiate your roof or other exterior insurance claim. A sign on your property is allowed only with your consent and no payment to you.
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Sponsors & Cosponsors
Sponsors
Kristin Dassler-Alfheim
Democratic • Senate
Mary Felzkowski
Republican • Senate
Steve Nass
Republican • Senate
Mark Spreitzer
Democratic • Senate
Cosponsors
Brienne Brown
Democratic • House
Calvin Callahan
Republican • House
Barbara Dittrich
Republican • House
Jodi Emerson
Democratic • House
David Murphy
Republican • House
Jim Piwowarczyk
Republican • House
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
Published 4-9-2026
4/9/2026SenateReport approved by the Governor on 4-8-2026. 2025 Wisconsin Act 230
4/9/2026SenatePresented to the Governor on 4-2-2026
4/2/2026SenateRepresentative Emerson added as a cosponsor
3/19/2026SenateRepresentative Brown added as a cosponsor
3/6/2026SenateReport correctly enrolled
1/15/2026SenateLRB correction
1/15/2026SenateReceived from Assembly concurred in
1/14/2026SenateOrdered immediately messaged
1/13/2026HouseRead a third time and concurred in
1/13/2026HouseRules suspended
1/13/2026HouseOrdered to a third reading
1/13/2026HouseRead a second time
1/13/2026HouseRules suspended to withdraw from calendar and take up
1/13/2026HousePlaced on calendar 1-13-2026 by Committee on Rules
1/8/2026HouseRead first time and referred to committee on Rules
1/7/2026HouseReceived from Senate
11/19/2025HouseOrdered immediately messaged
11/18/2025SenateRead a third time and passed
11/18/2025SenateRules suspended to give bill its third reading
11/18/2025SenateOrdered to a third reading
11/18/2025SenateSenate Amendment 2 adopted
11/18/2025SenateSenate Amendment 1 adopted
11/18/2025SenateRead a second time
11/18/2025SenatePlaced on calendar 11-18-2025 pursuant to Senate Rule 18(1)
11/14/2025Senate
Bill Text
Senate Amendment 1
11/11/2025
Senate Amendment 2
11/11/2025
Bill Text
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