Bill Text: IL HB5357 | 2023-2024 | 103rd General Assembly | Introduced

NOTE: There are more recent revisions of this legislation. Read Latest Draft

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Bill Title: Amends the Illinois Insurance Code. Provides that in response to all applications for homeowners insurance received by an insurance company, the insurance company shall provide the applicant information regarding the availability of coverage for loss caused by a sewer backup or overflow from a sump pump, including the coverage limits and costs thereof. Provides that at least 30 days prior to each renewal of any policy of homeowners insurance, the insurance company shall provide the insured with information regarding the insured's existing coverage and available coverage for loss caused by a sewer backup or overflow from a sump pump, including the coverage limits and costs thereof. Effective January 1, 2025.

Spectrum: Strong Partisan Bill (Democrat 24-2)

Status: (Enrolled) 2024-05-26 - Added as Alternate Co-Sponsor Sen. Laura M. Murphy [HB5357 Detail]

Download: Illinois-2023-HB5357-Introduced.html

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103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 HB5357 Introduced , by Rep. Elizabeth "Lisa" Hernandez SYNOPSIS AS INTRODUCED:
215 ILCS 5/143.10f new
Amends the Illinois Insurance Code. Provides that when issuing or marketing a homeowner's insurance policy, an insurer shall disclose whether the homeowner's insurance policy covers damage from a sewer backup or overflow from a sump pump. Provides that if the homeowner's insurance policy being issued does not cover damage caused by a sewer backup or overflow from a sump pump, the insurer shall offer the insured the opportunity to purchase additional coverage for damage caused by a sewer backup or overflow from a sump pump. Provides that the cost of the additional coverage shall be clearly communicated to the insured at the time the opportunity to purchase the additional coverage is offered. Defines "homeowner's insurance policy".
LRB103 37078 RPS 67196 b
A BILL FOR
HB5357 LRB103 37078 RPS 67196 b
AN ACT concerning regulation.
Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
Section 5. The Illinois Insurance Code is amended by
adding Section 143.10f as follows:
(215 ILCS 5/143.10f new)
Sec. 143.10f. Homeowner's insurance policy; sewer backup
and sump pump overflow.
(a) In this Section, "homeowner's insurance policy" means
personal multi-peril property insurance policies covering real
property used principally for residential purposes or any
household or personal property that is usual or incidental to
the occupancy of any premises used for residential purposes.
(b) When issuing or marketing a homeowner's insurance
policy, an insurer shall disclose whether the homeowner's
insurance policy covers damage from a sewer backup or overflow
from a sump pump. If the homeowner's insurance policy being
issued does not cover damage caused by a sewer backup or
overflow from a sump pump, the insurer shall offer the insured
the opportunity to purchase additional coverage for damage
caused by a sewer backup or overflow from a sump pump. The cost
of the additional coverage shall be clearly communicated to
the insured at the time the opportunity to purchase the

HB5357 - 2 - LRB103 37078 RPS 67196 b