State Rep. Chip Brown, R – Hollinger’s Island, announced on Thursday that he has pre-filed legislation that requires all insurance companies operating in Alabama to formally provide customers a written notice at least 90 days prior to cancelling, reducing, or non-renewing their property coverage.
Additionally, Brown’s legislation forces insurers to wait until at least 90 days after a property has been fully repaired from hurricane damage, wind loss, or other emergency declarations before canceling or non-renewing residential or commercial insurance policies.
“Suffering loss from a hurricane, tropical storm, or other disaster is traumatic enough on individuals, families, and business owners without having to worry about their insurance coverage being cancelled at a moment’s notice,” Brown said. “This legislation will provide a much-needed measure of security and comfort during difficult times while ensuring that repairs are finished and claims are fully settled before insurance companies are allowed to sever ties with those they cover.”
Brown noted that the bill will dramatically expand current requirements and close existing loopholes in insurance regulations.
If passed during the 2024 regular session, which is scheduled to convene on February 6, Brown’s legislation would take effect three months after being signed into law by the governor.
Alabama is at the midpoint of hurricane season, which began on June 1 and runs through November 30.
