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WashingtonSB 54192025-2026 Regular SessionSenate

Modifying reports of fire losses.

Sponsored By: John Lovick (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

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

Insurers must quickly report suspected fire crimes

Beginning July 27, 2025, insurers must immediately report fire losses they know or suspect may involve criminal activity. They must notify local or tribal law enforcement with jurisdiction and the state insurance commissioner, explaining their knowledge or suspicion. Insurers must provide a complete copy of any full or partial investigation when requested. Law enforcement must promptly share all received information with the responsible fire investigator and coordinate with that investigator.

Insurers must report Washington fire claims

Beginning July 27, 2025, authorized insurers must report Washington property fire claims to the state insurance commissioner. Reports are due within 90 days after claim closure, later adjustments beyond very small changes, or further investigation. Reports include the property address, loss date, payments by coverage, insurer identification number, and known fire origin and cause. They must note criminal activity or an undetermined cause; the commissioner can set reporting methods, including a third-party vendor. These requirements cannot be enforced until one year after the commissioner adopts implementing rules.

Fire records stay private, limiting lawsuits

Beginning July 27, 2025, covered fire-loss reports and investigations are confidential, exempt from public disclosure, and generally shielded from private civil subpoenas and testimony. Criminal investigative and prosecution disclosures and subpoenas remain allowed. The commissioner may share records with designated regulators, law enforcement, agencies, rating bureaus, and fire officials under confidentiality and use limits. Specified planning and rating uses remain allowed, and published totals must not identify individual companies or consumers. Insurers are protected from civil liability for covered criminal-fire reports and cooperation with properly issued criminal subpoenas, unless actual malice is shown.

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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