Washington legislation · 2025-26 Regular Session
Washington HB2399: Prop. insurance assignments
Status: In committee, February 19, 2026
Prohibiting the post-loss assignment of benefits in property insurance.
What the bill says
An act Relating to prohibiting the post-loss assignment of benefits in property insurance; adding a new section to chapter 48.30 RCW; and creating a new section. NEW SECTION.
From the introduced text:
AN ACT Relating to prohibiting the post-loss assignment of benefits in property insurance; adding a new section to chapter 48.30 RCW; and creating a new section. NEW SECTION. Sec. 1. The legislature finds that a post-loss assignment of benefits in property claims is a contractual agreement that, once signed, transfers the insurance claim rights and benefits within the policyholder's insurance policy to a third party. This contractual arrangement usually involves a restoration or mitigation contractor doing some, or all, of the repairs of the covered property. This assignment agreement is different than the policyholder authorizing direct payment to the restoration or mitigation contractor from the insurance company. It is also different than the assignment clause found in the conditions section within a property policy that prohibits the policyholder from assigning the policy to another entity unless approved by the insurance company. The legislature further finds that a post-loss assignment agreement can allow, but not limit, the third party restrict communications on the claim to prohibit the policyholder's involvement; and sue the insurance company without the consent of the policyholder. The legislature finds that the basis of the relationship between the policyholder and the policyholder's insurance company is one affected by the public interest. The consumer protections in claims handling as set forth in the insurance code are intended for the …
Sponsors
- David Hackney (D) · primary sponsor
- Liz Berry (D)
- Timm Ormsby (D)
- Janice Zahn (D)
Latest actions
- : House Rules "X" file.
- : Returned to Rules Committee for second reading.
- : Rules Committee relieved of further consideration. Placed on second reading.
- : Referred to Rules 2 Review.
- : Minority; without recommendation.
- : Minority; do not pass.
- : CPB - Majority; do pass.
- : Executive action taken in the House Committee on Consumer Protection & Business at 1:30 PM.
- : Public hearing in the House Committee on Consumer Protection & Business at 8:00 AM.
- : First reading, referred to Consumer Protection & Business.
Votes
- House Committee on Consumer Protection & Business: Do pass (February 4, 2026): 8 yea, 4 nay, passed
Subjects: INSURANCE
Common questions
- What is HB2399?
- HB2399 is a bill in the Washington Legislature (2025-26 Regular Session): Prop. insurance assignments.
- What does HB2399 do?
- In its own words: An act Relating to prohibiting the post-loss assignment of benefits in property insurance; adding a new section to chapter 48.30 RCW; and creating a new section. NEW SECTION.
- What is the status of HB2399?
- In committee as of February 19, 2026. Latest action: House Rules "X" file. (February 19, 2026).
- Who sponsored HB2399?
- David Hackney (D), with 3 co-sponsors.
- Where is the official record for HB2399?
- On the Washington Legislature website: https://app.leg.wa.gov/billsummary?BillNumber=2399&Year=2025
Source: official Washington record. Tracked by Delilah, AI for legislation across all 50 states and Congress.