# Kentucky HB 233: AN ACT relating to the prevention of harmful practices associated with property and casualty insurance. Kentucky HB 233, AN ACT relating to the prevention of harmful practices associated with property and casualty insurance., is a 2025 Regular Session House bill sponsored by Wade Williams (Republican); status signed, last action 2025-03-15 (signed by Governor (Acts Ch. 15)); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/KY-HB233-2025RS - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kentucky HB 233 - State: Kentucky - Session: 2025 Regular Session - Title: AN ACT relating to the prevention of harmful practices associated with property and casualty insurance. - Status: signed - Chamber: House - Introduced: 2025-02-04 - Last action: 2025-03-15, signed by Governor (Acts Ch. 15) - Sponsor: Wade Williams (Republican) - Cosponsors: 2 - Subjects: Insurance, Liens, Real Estate, Trade Practices and Retailing, Attorney General, Consumer Affairs, Contracts - Touches household money: yes - Roll calls: 2 (130 yes, 0 no in all) - Economic provisions PRIA read: 5 ## Summary No summary available. ## Bill overview: provisions PRIA read - Injured Owners Can Recover Double Financial Losses: benefit, medium. Anyone can ask a court to stop a continuing violation of these contractor rules without proving actual damages. People injured by a violation are entitled to twice their actual financial losses. Courts can also award reasonable attorney fees and costs. The Kentucky Attorney General can use existing… - Contractors Cannot Negotiate Owners’ Insurance Claims: benefit, low. Contractors and their representatives cannot represent owners or negotiate insurance claims connected to their property work. They also cannot advertise that they provide those services. Contractors can still give repair estimates and discuss damage with the insurer after the owner submits a claim.… - Owners Can Cancel but Owe Repair Costs: mixed, medium. For covered insurance-funded property contracts, you can cancel before midnight on the fifth business day after receiving written notice denying any coverage. These rules cover residential and commercial property contracts entered on or after the law’s effective date. Cancellation can be delivered… - Owners Gain Protections but Lose Contractor Discounts: mixed, medium. For insurance-funded property work, contractors cannot damage property to win a contract or increase the work. They cannot offer deductible payments or claim-proceeds rebates to win business, or grant discounts against their fees. Payments to the insured owner or their representative for services o… - Large Property Contracts Get Limited Escrow Exceptions: mixed, low. Private property improvement contracts of $500,000 or more generally require owners’ retained payments to enter a separate Kentucky bank escrow account. The contractor owns the deposited funds and receives the balance and interest after the owner gives written release for satisfactory completion. A… ## Sponsors and cosponsors - Sponsor: Wade Williams (Republican), House - Cosponsor: Daniel Grossberg (Democrat), House - Cosponsor: Shawn McPherson (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-03-11 | Senate | 3rd reading, passed | pass | 37 | 0 | | | 2025-02-18 | House | 3rd reading, passed | pass | 93 | 0 | | ## Actions (19) - 2025-03-15: signed by Governor (Acts Ch. 15) - 2025-03-11: delivered to Governor - 2025-03-11: enrolled, signed by President of the Senate (House) - 2025-03-11: enrolled, signed by Speaker of the House (House) - 2025-03-11: received in House (House) - 2025-03-11: 3rd reading, passed 37-0 (Senate) - 2025-03-07: posted for passage in the Regular Orders of the Day for Tuesday, March 11, 2025 (Senate) - 2025-03-05: 2nd reading, to Rules (Senate) - 2025-03-04: reported favorably, 1st reading, to Calendar (Senate) - 2025-02-21: to Banking & Insurance (S) (Senate) - 2025-02-19: to Committee on Committees (S) (Senate) - 2025-02-19: received in Senate (Senate) - 2025-02-18: 3rd reading, passed 93-0 with Committee Substitute (1) (House) - 2025-02-14: posted for passage in the Regular Orders of the Day for Tuesday, February 18, 2025 (House) - 2025-02-13: 2nd reading, to Rules (House) - 2025-02-12: reported favorably, 1st reading, to Calendar with Committee Substitute (1) (House) - 2025-02-06: to Banking & Insurance (H) (House) - 2025-02-04: to Committee on Committees (H) (House) - 2025-02-04: introduced in House (House) ## Bill text - Current, 2025-02-18: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb233/bill.pdf) - Introduced, 2025-02-03: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb233/orig_bill.pdf) ## Related bills - HB 501: AN ACT relating to pharmaceutical drugs. (became law) - HB 664: AN ACT relating to the operation of a motor vehicle and declaring an emergency. (signed) - HB 606: AN ACT relating to economic development. (signed) - HB 421: AN ACT relating to colorectal cancer screenings. (signed) - HB 555: AN ACT relating to local government financial practices. (signed) - HB 493: AN ACT relating to the towing and storage of motor vehicles. (signed) ## Sources - [Current (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb233/bill.pdf) - [Introduced (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb233/orig_bill.pdf) ## Related - [HB 501: AN ACT relating to pharmaceutical drugs.](https://policyrisk.com/state-bill/KY-HB501-2025RS) - [HB 664: AN ACT relating to the operation of a motor vehicle and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB664-2025RS) - [HB 606: AN ACT relating to economic development.](https://policyrisk.com/state-bill/KY-HB606-2025RS) - [HB 421: AN ACT relating to colorectal cancer screenings.](https://policyrisk.com/state-bill/KY-HB421-2025RS) - [HB 555: AN ACT relating to local government financial practices.](https://policyrisk.com/state-bill/KY-HB555-2025RS) - [HB 493: AN ACT relating to the towing and storage of motor vehicles.](https://policyrisk.com/state-bill/KY-HB493-2025RS) - [Kentucky bills](https://policyrisk.com/states/kentucky/bills) - [Kentucky state hub](https://policyrisk.com/states/kentucky) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KY-HB233-2025RS (as of 2026-10-17).