SB4006Introduced in the Senate
CLIMATE RISK & STRENGTHEN HOME
Introduced by Julie Morrison, District 29
What does this bill do?
Plain-English breakdown
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Official description
Amends the Department of Commerce and Economic Opportunity Law of the Civil Administrative Code of Illinois. Creates the Strengthen Illinois Homes Fund. On or before July 1, 2028, and depending on availability of funds, provides that the Department of Insurance shall identify areas of need to administer a pilot grant program known as the Strengthen Illinois Homes Program. Requires the Department of Commerce and Economic Opportunity, in conjunction with the Department of Insurance, to develop a standard application and grant award rubric for the eligible program grantees. Establishes program requirements for contractors. Amends the State Finance Act to make a conforming change. Amends the Illinois Insurance Code. Establishes notice requirements for companies providing flood coverage. Creates the Climate Risk Disclosure Article, which may be referred to as the Climate Risk Disclosure Law. Requires all companies, corporations, and organizations subject to the Article to, upon direction from the Department, participate in climate surveys issued by the National Association of Insurance Commissioners. Creates the Strengthen Illinois Homes Article, which may be referred to as the Strengthen Illinois Homes Act. Provides that, for homeowners insurance policies, an insurer shall provide an actuarially justified premium discount or insurance rate reduction to a specified owner. Provides that the Director of Insurance may adopt rules that establish standard discount amounts, targets, or benchmarks for the coverage of insurable property meeting the specified mitigation program standards. Provides that an insurer writing homeowners insurance policies that provide coverage of an insurable property that is a nonfortified insurable property shall offer an optional rider, endorsement, or supplemental policy provision that provides the insured a right to receive claim payments for the cost to upgrade an insurable property to mitigation program standards for a specified claim. Makes other changes. Amends the Dental Service Plan Act, the Health Maintenance Organization Act, and the Limited Health Service Organization Act to establish conforming requirements.
Where it stands
Public Act . . . . . . . . . 104-0534
June 26, 2026
How did lawmakers vote?
House votes
2 recorded votes · each counted separately
Senate votes
3 recorded votes · each counted separately
HouseStage: House Third Reading · May 27, 2026
78
Yes
32
No
1
Absent or Not Voting
111 representatives recorded in this House vote. Colors show vote categories only, not whether a vote was good or bad.
What do people think?
Citizen Voice
How would you vote on this bill?
An unofficial public opinion poll. It does not affect the bill or the official vote.
One response per device. Location is self-reported and not verified. Results are informal and not a scientific survey.
See how each representative voted
| Representative | District | Vote |
|---|---|---|
| Aaron Ortiz | 1 | Yes |
| Eva Dina Delgado | 3 | Yes |
| Lilian Jimenez | 4 | Yes |
| Kimberly Du Buclet | 5 | Yes |
| Sonya Harper | 6 | Yes |
| Emanuel Welch | 7 | Yes |
| Yolanda Morris | 9 | Yes |
| Jawaharial Williams | 10 | Yes |
| Ann Williams | 11 | Yes |
| Margaret Croke | 12 | Yes |
Bill history
Filed with Secretary by Sen. Julie A. Morrison
First Reading
Referred to Assignments
Assigned to Insurance
Postponed - Insurance
Added as Co-Sponsor Sen. Christopher Belt
Rule 2-10 Committee Deadline Established As March 27, 2026
Postponed - Insurance
Added as Co-Sponsor Sen. Mattie Hunter
Added as Co-Sponsor Sen. Meg Loughran Cappel
Added as Co-Sponsor Sen. Doris Turner
Rule 2-10 Committee Deadline Established As April 24, 2026
Added as Co-Sponsor Sen. Adriane L. Johnson
Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. Morrison
Senate Committee Amendment No. 1 Referred to Assignments
Senate Committee Amendment No. 1 Assignments Refers to Insurance
Senate Committee Amendment No. 1 Adopted
Do Pass as Amended Insurance; 011-000-000
Placed on Calendar Order of 2nd Reading April 15, 2026
Second Reading
Placed on Calendar Order of 3rd Reading April 16, 2026
Third Reading - Passed; 054-000-000
Arrived in House
Chief House Sponsor Rep. Thaddeus Jones
First Reading
Referred to Rules Committee
Assigned to Insurance Committee
Do Pass / Short Debate Insurance Committee; 010-005-000
Placed on Calendar 2nd Reading - Short Debate
Second Reading - Short Debate
Held on Calendar Order of Second Reading - Short Debate
Added Alternate Chief Co-Sponsor Rep. Bob Morgan
Placed on Calendar Order of 3rd Reading - Short Debate
Third Reading/Final Action Deadline Extended-9(b) May 31, 2026
Third Reading - Short Debate - Passed 078-032-000
Passed Both Houses
Sent to the Governor
Governor Approved
Effective Date June 26, 2026; Some Provisions
Effective Date January 1, 2027; Some Provisions
Public Act . . . . . . . . . 104-0534
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