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HB3799Introduced in the House

INS-CLIMATE RISK DISCLOSURE

EngrossedHouse Rules

Introduced by Robyn Gabel, District 18

What does this bill do?

Plain-English breakdown

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Official description

Amends the Illinois Insurance Code. In provisions regarding the notice of intention not to renew a policy of insurance, provides that no company may impose renewal premium increases of more than 10% for policies of fire and extended coverage insurance that are subject to certain cancellation requirements, unless the company mails or delivers by electronic means to the named insured and the Department of Insurance notice of the increase in renewal premium at least 60 days before the policy renewal or anniversary date. Creates the Rates for Fire and Extended Coverage Insurance Article. Contains provisions concerning the purpose and applicability of the Article. Prohibits rates from being excessive, inadequate, or unfairly discriminatory, as specified. Sets forth provisions concerning determinations and notice from the Department and hearings on the notice. Provides that credible State-specific loss experience shall be used in the development of rates whenever that data is available and statistically reliable. Authorizes insurers, in order to meet actuarial standards of credibility, to supplement State-specific loss experience with countrywide, regional, or out-of-state loss experience. Effective January 1, 2027.

Where it stands

Rule 19(b) / Re-referred to Rules Committee

July 1, 2026

How did lawmakers vote?

House votes

5 recorded votes · each counted separately

Senate votes

1 recorded vote · each counted separately

HouseStage: House Concurrence · October 30, 2025

56

Yes

37

No

16

Absent or Not Voting

109 representatives recorded in this House vote. Colors show vote categories only, not whether a vote was good or bad.

See how each representative voted

RepresentativeDistrictVote
Aaron Ortiz1Yes
Elizabeth Hernandez2Yes
Eva Dina Delgado3Yes
Lilian Jimenez4Yes
Kimberly Du Buclet5Yes
Sonya Harper6Yes
Emanuel Welch7Yes
LaShawn Ford8Yes
Yolanda Morris9Not Voting
Jawaharial Williams10Not Voting

Bill history

  1. Filed with the Clerk by Rep. Bob Morgan

  2. First Reading

  3. Referred to Rules Committee

  4. Assigned to Insurance Committee

  5. Added Co-Sponsor Rep. Michelle Mussman

  6. House Committee Amendment No. 1 Filed with Clerk by Rep. Bob Morgan

  7. House Committee Amendment No. 1 Referred to Rules Committee

  8. House Committee Amendment No. 1 Rules Refers to Insurance Committee

  9. House Committee Amendment No. 1 Adopted in Insurance Committee; by Voice Vote

  10. Do Pass as Amended / Short Debate Insurance Committee; 011-006-000

  11. Placed on Calendar 2nd Reading - Short Debate

  12. Second Reading - Short Debate

  13. Held on Calendar Order of Second Reading - Short Debate

  14. House Floor Amendment No. 2 Filed with Clerk by Rep. Bob Morgan

  15. House Floor Amendment No. 2 Referred to Rules Committee

  16. House Floor Amendment No. 2 Rules Refers to Insurance Committee

  17. Added Chief Co-Sponsor Rep. Thaddeus Jones

  18. House Floor Amendment No. 2 Recommends Be Adopted Insurance Committee; 011-004-000

  19. House Floor Amendment No. 2 Adopted

  20. Placed on Calendar Order of 3rd Reading - Short Debate

  21. Third Reading - Short Debate - Passed 075-038-000

  22. Added Co-Sponsor Rep. Rita Mayfield

  23. Added Co-Sponsor Rep. Camille Y. Lilly

  24. Added Co-Sponsor Rep. Michael Crawford

  25. Added Co-Sponsor Rep. Kimberly Du Buclet

  26. Added Co-Sponsor Rep. Jehan Gordon-Booth

  27. Arrive in Senate

  28. Placed on Calendar Order of First Reading

  29. Chief Senate Sponsor Sen. Laura Ellman

  30. First Reading

  31. Referred to Assignments

  32. Added Co-Sponsor Rep. Mary Beth Canty

  33. Approved for Consideration Assignments

  34. Placed on Calendar Order of 2nd Reading

  35. Alternate Chief Sponsor Changed to Sen. Don Harmon

  36. Second Reading

  37. Placed on Calendar Order of 3rd Reading October 29, 2025

  38. Senate Floor Amendment No. 1 Filed with Secretary by Sen. Michael E. Hastings

  39. Senate Floor Amendment No. 1 Referred to Assignments

  40. Senate Floor Amendment No. 1 Assignments Refers to Insurance

  41. Alternate Chief Sponsor Changed to Sen. Michael E. Hastings

  42. Senate Floor Amendment No. 2 Filed with Secretary by Sen. Michael E. Hastings

  43. Senate Floor Amendment No. 2 Referred to Assignments

  44. Senate Floor Amendment No. 1 Postponed - Insurance

  45. Senate Floor Amendment No. 2 Be Approved for Consideration Assignments

  46. Chief Sponsor Changed to Rep. Robyn Gabel

  47. Remove Chief Co-Sponsor Rep. Thaddeus Jones

  48. Removed Co-Sponsor Rep. Michelle Mussman

  49. Removed Co-Sponsor Rep. Rita Mayfield

  50. Removed Co-Sponsor Rep. Camille Y. Lilly

  51. Removed Co-Sponsor Rep. Michael Crawford

  52. Removed Co-Sponsor Rep. Kimberly Du Buclet

  53. Removed Co-Sponsor Rep. Jehan Gordon-Booth

  54. Removed Co-Sponsor Rep. Mary Beth Canty

  55. Senate Floor Amendment No. 3 Filed with Secretary by Sen. Michael E. Hastings

  56. Senate Floor Amendment No. 3 Referred to Assignments

  57. Added as Alternate Co-Sponsor Sen. Sara Feigenholtz

  58. Senate Floor Amendment No. 3 Be Approved for Consideration Assignments

  59. Added as Alternate Chief Co-Sponsor Sen. Doris Turner

  60. Recalled to Second Reading

  61. Senate Floor Amendment No. 2 Adopted; Hastings

  62. Senate Floor Amendment No. 3 Adopted; Hastings

  63. Placed on Calendar Order of 3rd Reading

  64. Third Reading - Passed; 041-015-001

  65. Senate Floor Amendment No. 1 Tabled Pursuant to Rule 5-4(a)

  66. Arrived in House

  67. Placed on Calendar Order of Concurrence Senate Amendment(s) 2, 3

  68. Senate Floor Amendment No. 2 Motion Filed Concur Rep. Robyn Gabel

  69. Senate Floor Amendment No. 3 Motion Filed Concur Rep. Robyn Gabel

  70. Senate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee

  71. Senate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee

  72. Senate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Rules Committee; 003-002-000

  73. Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Rules Committee; 003-002-000

  74. Added as Alternate Chief Co-Sponsor Sen. Meg Loughran Cappel

  75. Added as Alternate Co-Sponsor Sen. Mattie Hunter

  76. Senate Floor Amendment No. 2 Motion to Concur Lost 056-037-006

  77. Senate Floor Amendment No. 3 Motion to Concur Lost 056-037-006

  78. Added as Alternate Co-Sponsor Sen. Cristina Castro

  79. Senate Floor Amendment No. 2 Motion Filed Concur Rep. Robyn Gabel

  80. Senate Floor Amendment No. 3 Motion Filed Concur Rep. Robyn Gabel

  81. Senate Floor Amendment No. 2 Motion to Concur Referred to Rules Committee

  82. Senate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee

  83. Added as Alternate Co-Sponsor Sen. Michael W. Halpin

  84. Added as Alternate Chief Co-Sponsor Sen. Christopher Belt

  85. Rule 19(b) / Re-referred to Rules Committee

  86. Added Co-Sponsor Rep. Barbara Hernandez

  87. Added Co-Sponsor Rep. Justin Cochran

  88. Removed Co-Sponsor Rep. Justin Cochran

  89. Added Co-Sponsor Rep. Dagmara Avelar

  90. Added Co-Sponsor Rep. Edgar González, Jr.

  91. Added Co-Sponsor Rep. Michelle Mussman

  92. Added Co-Sponsor Rep. Kimberly Du Buclet

  93. Approved for Consideration Rules Committee; 005-000-000

  94. Placed on Calendar Order of Concurrence Senate Amendment(s) 2, 3

  95. Senate Floor Amendment No. 2 Motion to Concur Recommends Be Adopted Rules Committee; 005-000-000

  96. Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Rules Committee; 005-000-000

  97. Added Co-Sponsor Rep. Lilian Jiménez

  98. Rule 19(b) / Re-referred to Rules Committee

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