Washington legislation · 2025-26 Regular Session
Washington SB6178: Prop. insurance assignments
Status: Passed one chamber, March 12, 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
- Samuel Hunt (D) · primary sponsor
- Adrian Cortes (D)
- Noel Frame (D)
- T'wina Nobles (D)
Latest actions
- : By resolution, returned to Senate Rules Committee for third reading.
- : Executive session scheduled, but no action was taken in the House Committee on Consumer Protection & Business at 1:30 PM.
- : Executive session scheduled, but no action was taken in the House Committee on Consumer Protection & Business at 1:30 PM.
- : Public hearing in the House Committee on Consumer Protection & Business at 1:30 PM.
- : First reading, referred to Consumer Protection & Business.
- : Third reading, passed; yeas, 48; nays, 0; absent, 0; excused, 1.
- : Rules suspended. Placed on Third Reading.
- : Placed on second reading by Rules Committee.
- : Passed to Rules Committee for second reading.
- : Minority; without recommendation.
Votes
- 3rd Reading & Final Passage (February 5, 2026): 48 yea, 0 nay, passed
- Senate Committee on Business, Trade & Economic Development: Do pass (January 22, 2026): 8 yea, 0 nay, passed
Subjects: INSURANCE
Common questions
- What is SB6178?
- SB6178 is a bill in the Washington Legislature (2025-26 Regular Session): Prop. insurance assignments.
- What does SB6178 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 SB6178?
- Passed one chamber as of March 12, 2026. Latest action: By resolution, returned to Senate Rules Committee for third reading. (March 12, 2026).
- Who sponsored SB6178?
- Samuel Hunt (D), with 3 co-sponsors.
- Where is the official record for SB6178?
- On the Washington Legislature website: https://app.leg.wa.gov/billsummary?BillNumber=6178&Year=2025
Source: official Washington record. Tracked by Delilah, AI for legislation across all 50 states and Congress.