# Illinois HB5376: MINE SUBSIDENCE INSURANCE FUND Illinois HB5376, MINE SUBSIDENCE INSURANCE FUND, is a 104th General Assembly (2025–2026) House bill sponsored by no sponsor on record; status signed, last action 2026-06-26 (Public Act . . . . . . . . . 104-0519); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-HB5376-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois HB5376 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: MINE SUBSIDENCE INSURANCE FUND - Status: signed - Chamber: House - Introduced: 2026-02-06 - Last action: 2026-06-26, Public Act . . . . . . . . . 104-0519 - Sponsors: no sponsor on record - Cosponsors: 7 - Subjects: insurance, assignments - Touches household money: yes - Roll calls: 3 (178 yes, 0 no in all) - Economic provisions PRIA read: 4 ## Summary Amends the Mine Subsidence Insurance Article of the Illinois Insurance Code. Makes changes to defined terms. Provides that the moneys in the Illinois Mine Subsidence Insurance Fund shall be derived primarily from premiums for mine subsidence insurance ceded by insurers to the Fund pursuant to the Article and from investment income. In establishing mine subsidence insurance premium rates, provides that the Fund shall give due consideration to factors reasonably considered by an insurer when setting premium rates. Changes terms related to the appointment of directors in provisions concerning management of the Fund and establishes 3-year staggered terms for the directors. Provides that all directors shall be independent and owe a duty of care and duty of loyalty to the Fund. In provisions concerning mine subsidence coverage, provides that the loss covered shall be the loss in excess of any applicable deductible or retention in the policy, subject to the limit of insurance for mine subsidence damage stated in the policy. For all policies issued or renewed on or after January 1, 2027, provides that there shall be no deductible or retention applicable to mine subsidence damage. For all policies issued or renewed on or after the effective date of the amendatory Act, provides that the maximum amount of reinsured loss per residence, per commercial building, and per living unit shall be the amounts established by the Fund and approved by the Director. Provides that the residential and living unit coverage provided under the Article may also cover specified costs of debris removal, moving and storage of contents, and repair or replacement of landscaping. Makes changes in provisions concerning division of the Fund; exemptions; rights of insurers to refuse to provide mine subsidence coverage; arbitration; reinsurance agreements; distribution of premiums; reporting requirements; right of recourse and setoffs; subrogation; and powers of the Director of Insurance. ## Bill overview: provisions PRIA read - New reporting rules for subsidence insurers: cost, low. Insurance companies, farm mutuals, and reciprocals licensed and authorized to write Class 3 policies in Illinois are included in the insurer rules. Insurers that write mine subsidence coverage must provide information the Fund reasonably needs, including losses, premiums, and insured risks. They mu… - More protection for subsidence claims: mixed, medium. Beginning January 1, 2027, policies issued or renewed on or after that date have no deductible or retention for mine subsidence damage. Residential coverage may include necessary, actually paid costs for debris removal, moving and storage, and landscaping repairs; every policy is not required to in… - Mine coverage varies by property: mixed, low. The law covers Illinois buildings fixed to land, including homes with up to four families, living units, and insurer-classified commercial buildings. The rules apply to standard fire and extended-coverage policies, or similar policies, but not marine insurance or liability reinsurance. Mine subside… - Insurers use a private subsidence fund: mixed, low. The law makes the Illinois Mine Subsidence Insurance Fund a taxable private reinsurer, funded mainly by insurance premiums ceded to it and investment income. Insurers must sign agreements approved by the Illinois Director of Insurance and cede 100% of mine subsidence insurance they write, up to the… ## Sponsors and cosponsors - Cosponsor: Amy Elik (Republican), House - Cosponsor: Anthony DeLuca (Democratic), House - Cosponsor: Christopher Belt (Democratic), Senate - Cosponsor: Erica Harriss (Republican), Senate - Cosponsor: Jawaharial Williams (Democratic), House - Cosponsor: Jay Hoffman (Democratic), House - Cosponsor: Jeff Keicher (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-05-14 | Senate | Third Reading - Passed; | pass | 58 | 0 | | | 2026-04-09 | House | Third Reading - Short Debate - Passed | pass | 106 | 0 | | | 2026-03-24 | House | Do Pass as Amended / Short Debate Insurance Committee; | pass | 14 | 0 | | ## Actions (33) - 2026-06-26: Public Act . . . . . . . . . 104-0519 (House) - 2026-06-26: Effective Date January 1, 2027 (House) - 2026-06-26: Governor Approved (House) - 2026-06-12: Sent to the Governor (House) - 2026-05-14: Passed Both Houses (House) - 2026-05-14: Third Reading - Passed; 058-000-000 (Senate) - 2026-04-30: Placed on Calendar Order of 3rd Reading May 5, 2026 (Senate) - 2026-04-30: Second Reading (Senate) - 2026-04-22: Placed on Calendar Order of 2nd Reading April 28, 2026 (Senate) - 2026-04-22: Approved for Consideration Assignments (Senate) - 2026-04-16: Added as Alternate Co-Sponsor Sen. Erica Harriss (Senate) - 2026-04-10: Referred to Assignments (Senate) - 2026-04-10: First Reading (Senate) - 2026-04-10: Chief Senate Sponsor Sen. Christopher Belt (Senate) - 2026-04-10: Placed on Calendar Order of First Reading (Senate) - 2026-04-10: Arrive in Senate (Senate) - 2026-04-09: Third Reading - Short Debate - Passed 106-000-000 (House) - 2026-04-07: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2026-04-07: Second Reading - Short Debate (House) - 2026-04-07: Added Co-Sponsor Rep. Amy Elik (House) - 2026-03-25: Placed on Calendar 2nd Reading - Short Debate (House) - 2026-03-24: Added Co-Sponsor Rep. Jeff Keicher (House) - 2026-03-24: Added Co-Sponsor Rep. Jawaharial Williams (House) - 2026-03-24: Added Co-Sponsor Rep. Anthony DeLuca (House) - 2026-03-24: Do Pass as Amended / Short Debate Insurance Committee; 014-000-000 (House) - 2026-03-24: House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote (House) - 2026-03-20: House Committee Amendment No. 1 Rules Refers to Insurance Committee (House) - 2026-03-18: House Committee Amendment No. 1 Referred to Rules Committee (House) - 2026-03-18: House Committee Amendment No. 1 Filed with Clerk by Rep. Jay Hoffman (House) - 2026-03-18: Assigned to Insurance Committee (House) - 2026-02-10: Referred to Rules Committee (House) - 2026-02-10: First Reading (House) - 2026-02-06: Filed with the Clerk by Rep. Jay Hoffman (House) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5376eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5376enr.pdf) - House Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5376ham001.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5376.pdf) ## Related bills - HB5198: AFFORDABLE HOUSING-CILAS (passed house) - SB1937: PENSION CODE-VARIOUS (passed senate) - HB2563: CONDO-RESERVE STUDY (in committee) - HB4701: LIMITATIONS FACILITY FEES ACT (in committee) - SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate) - SB3484: VEH CD-PLATES-REGISTRATION (signed) ## Sources - [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5376eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5376enr.pdf) - [House Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5376ham001.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5376.pdf) ## Related - [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026) - [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026) - [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026) - [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026) - [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026) - [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026) - [Illinois bills](https://policyrisk.com/states/illinois/bills) - [Illinois state hub](https://policyrisk.com/states/illinois) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IL-HB5376-2025-2026 (as of 2026-11-01).