SB2960 Hawaii 24-Month Deadline Property Insurance Claims
Summary
Hawaii SB2960 establishes new statutory deadlines for property insurance claims following declared states of emergency. Policyholders receive 24 months to submit documentation for dwelling or structure replacement cost recovery, and 12 months from completion for personal property. Insurers must provide timely written notice of these timeframes and available extensions.
What changed
Hawaii SB2960 enacts new statutory timeframes for property insurance claims triggered by declared states of emergency. The bill establishes a 24-month minimum period for policyholders to submit documentation to recover full replacement cost value of covered dwellings or structures, and a 12-month period from completion for personal property. Insurers are required to provide timely written notice to policyholders explaining these deadlines and the availability of good-cause extensions.
Insurers writing homeowners policies in Hawaii must update their claims handling procedures, internal deadlines, and customer communications to reflect these statutory minimums. Policyholders benefit from a clearly defined extended window to compile and submit claims documentation following natural disasters or other declared emergencies, reducing pressure to rush documentation during already difficult recovery periods.
What to do next
- Homeowners insurers must update claims procedures and notices to reflect the new statutory deadlines
- Insurers must provide timely written notice to policyholders explaining the 24-month and 12-month submission timeframes and available extensions
- Policyholders should be aware of their extended 24-month window to submit documentation for covered dwellings following a declared state of emergency
Archived snapshot
Apr 9, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
ChangeBridge / Hawaii / SB2960 Passed SB2960 Senate Bill Passed 2026-03-10
Relating To Property Insurance.
Establishes a minimum time frame of twenty-four months following loss due to declared state of emergency for the policyholder to submit documentation to recover full replacement cost value of covered dwelling or structure. Allows extensions for good cause. Establishes a minimum time frame of twelve months from completion of covered dwelling or structure for the policyholder to submit documentation to recover full replacement cost value of covered personal property. Requires homeowners insurers to give timely notice to policyholders to explain the time frames and extensions. Effective 7/1/3000. (HD1)
Bill Details
State Hawaii
Session 2026 Regular Session
Chamber Senate
Official Source www.capitol.hawaii.gov/session/measure_ind...
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Sponsors
Angus McKelvey (Sen - D) Stanley Chang (Sen - D) Troy Hashimoto (Sen - D) Tim Richards (Sen - D) Carol Fukunaga (Sen - D) Joy San Buenaventura (Sen - D)
Action History
2026-04-09 H Reported from CPC (Stand. Com. Rep. No. 1972-26) as amended in HD 1, recommending passage on Second Reading and placement on the calendar for Third Reading. 2026-04-07 H The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 11 Ayes: Representative(s) Matayoshi, Grandinetti, Chun, Ilagan, Ichiyama, Iwamoto, Kong, Lowen, Marten, Tam, Pierick; Ayes with reservations: none; Noes: none; and Excused: none. 2026-04-02 H Bill scheduled to be heard by CPC on Tuesday, 04-07-26 2:05PM in House conference room 329 VIA VIDEOCONFERENCE. 2026-03-12 H Referred to CPC, referral sheet 17 2026-03-12 H Pass First Reading 2026-03-10 H Received from Senate (Sen. Com. No. 326) in amended form (SD 1). 2026-03-10 S Passed Third Reading, as amended (SD 1). Ayes, 25; Aye(s) with reservations: none. Noes, 0 (none). Excused, 0 (none). Transmitted to House. 2026-03-05 S 48 Hrs. Notice 3/10/2026. 2026-03-05 S Report adopted; Passed Second Reading, as amended (SD 1). 2026-03-05 S Reported from CPN (Stand. Com. Rep. No. 2795) with recommendation of passage on Second Reading, as amended (SD 1) and placement on the calendar for Third Reading. 2026-02-25 S The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 5 Aye(s): Senator(s) Keohokalole, Fukunaga, Lamosao, McKelvey, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none. 2026-02-20 S The committee(s) on CPN has scheduled a public hearing on 02-25-26 9:32AM; Conference Room 229 & Videoconference. 2026-01-30 S Referred to CPN. 2026-01-26 S Passed First Reading. 2026-01-23 S Introduced.
Votes
2026-02-25 Senate Commerce and Consumer Protection: Passed, With Amendments Yea: 5 Nay: 0
Committee Referrals
2026-01-30 S Commerce and Consumer Protection 2026-03-12 H Consumer Protection & Commerce
Bill Text Versions
2026-01-24 Introduced 2026-03-04 Amended 2026-04-09 Amended
Subjects
Property Insurance Replacement Cost Value Actual Cost Value Payment Time Frames Declared State of Emergency Legislative data powered by LegiScan (CC BY 4.0)
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