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Bill INS CODE-PUBLIC ADJUSTERS Amends the Illinois Insurance Code. In provisions concerning a contract between public adjuster and insured, provides that: a public adjuster shall ensure that the contract contains the email address of the public adjuster; a public adjuster may also provide an exact copy of the contract to the insurer's authorized representative for receiving notice of loss or damage in specified circumstances; a public adjuster may provide emergency services before a written contract with the insured has been executed; a public adjuster shall not provide services until a written contract with the insured has been executed and an exact copy of the contract has been provided to the insurer; at the option of an insured, any contract between a public adjuster and the insured shall be voidable for 5 business days after the copy of the contract has been received by the insurer, except as provided in the Fire Damage Representation Agreement Act; the insured may void the contract by notifying the public adjuster in writing by sending an email to the email address shown on the contract. been received by the insurer, except as provided in the Fire Damage Representation Agreement Act. Defines "adjusting insurance claims" and "compensation". Changes a definition of "public adjuster". Removes a definition of "adjusting a claim for loss or damage covered by an insurance contract". Repeals the Public Insurance Adjusters and Registered Firms Article of the Illinois Insurance Code. Effective immediately. us/states/il Illinois General Assembly 102nd HB 5471 Illinois HB 5471 (102nd)
bill
enacted
Don Harmon
Emanuel Chris Welch
8 127 5 2022-01-28 2023-01-10 openstates ocd-bill/010ac947-9209-4d69-9900-cb397fd61bf3 https://ilga.gov/legislation/BillStatus.asp?DocNum=5471&GAID=16&DocTypeID=HB&LegId=139995&SessionID=110&GA=102 54b5cc2c99665b9ca466ddd89624c3dc0a0289f8b2c5e1a07d41a001c0b1ad8d 2026-07-01 https://data.openstates.org/daily/2026-07-01/public.pgdump 2026-07-06 reported
legislation
bill
us-il

Illinois HB 5471 (102nd) — INS CODE-PUBLIC ADJUSTERS

Amends the Illinois Insurance Code. In provisions concerning a contract between public adjuster and insured, provides that: a public adjuster shall ensure that the contract contains the email address of the public adjuster; a public adjuster may also provide an exact copy of the contract to the insurer's authorized representative for receiving notice of loss or damage in specified circumstances; a public adjuster may provide emergency services before a written contract with the insured has been executed; a public adjuster shall not provide services until a written contract with the insured has been executed and an exact copy of the contract has been provided to the insurer; at the option of an insured, any contract between a public adjuster and the insured shall be voidable for 5 business days after the copy of the contract has been received by the insurer, except as provided in the Fire Damage Representation Agreement Act; the insured may void the contract by notifying the public adjuster in writing by sending an email to the email address shown on the contract. been received by the insurer, except as provided in the Fire Damage Representation Agreement Act. Defines "adjusting insurance claims" and "compensation". Changes a definition of "public adjuster". Removes a definition of "adjusting a claim for loss or damage covered by an insurance contract". Repeals the Public Insurance Adjusters and Registered Firms Article of the Illinois Insurance Code. Effective immediately.

Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

  1. Introduced (filed) — source
  2. Engrossed (committee substitute) — source
  3. Senate Amendment 001 (committee substitute) — source
  4. Senate Amendment 002 (committee substitute) — source
  5. Senate Amendment 003 (committee substitute) — source
  6. Senate Amendment 004 (committee substitute) — source
  7. Senate Amendment 005 (committee substitute) — source
  8. Enrolled (enrolled) — source

Votes

  • Third Reading — 3420 (pass) · upper
  • Concurrence, Amendment 4 — 6841 (pass) · lower
  • Concurrence, Amendment 5 — 6841 (pass) · lower
  • Third Reading — 1040 (pass) · lower
  • Concurrence, Amendment 3 — 6841 (pass) · lower

Sponsors

  • Don Harmon — primary (person)
  • Emanuel Chris Welch — primary (person)
  • Aaron M. Ortiz — cosponsor (person)
  • Adriane Johnson — cosponsor (person)
  • Ann Gillespie — cosponsor (person)
  • Ann M. Williams — cosponsor (person)
  • Anna Moeller — cosponsor (person)
  • Anne Stava-Murray — cosponsor (person)
  • Barbara Hernandez — cosponsor (person)
  • Bob Morgan — cosponsor (person)
  • Carol Ammons — cosponsor (person)
  • Celina Villanueva — cosponsor (person)
  • Cristina Castro — cosponsor (person)
  • Cristina H. Pacione-Zayas — cosponsor (person)
  • Dagmara Avelar — cosponsor (person)
  • Daniel Didech — cosponsor (person)
  • Debbie Meyers-Martin — cosponsor (person)
  • Denyse Wang Stoneback — cosponsor (person)
  • Edgar Gonzalez, Jr. — cosponsor (person)
  • Elgie R. Sims, Jr. — cosponsor (person)
  • Eva-Dina Delgado — cosponsor (person)
  • Greg Harris — cosponsor (person)
  • Jacqueline Y. Collins — cosponsor (person)
  • Jaime M. Andrade, Jr. — cosponsor (person)
  • Janet Yang Rohr — cosponsor (person)
  • Jennifer Gong-Gershowitz — cosponsor (person)
  • Jonathan Carroll — cosponsor (person)
  • Joyce Mason — cosponsor (person)
  • Justin Slaughter — cosponsor (person)
  • Kathleen Willis — cosponsor (person)
  • Kelly M. Cassidy — cosponsor (person)
  • Kimberly A. Lightford — cosponsor (person)
  • La Shawn K. Ford — cosponsor (person)
  • Lakesia Collins — cosponsor (person)
  • Laura Fine — cosponsor (person)
  • Laura M. Murphy — cosponsor (person)
  • Margaret Croke — cosponsor (person)
  • Mark L. Walker — cosponsor (person)
  • Martin J. Moylan — cosponsor (person)
  • Maura Hirschauer — cosponsor (person)
  • Michael J. Zalewski — cosponsor (person)
  • Michelle Mussman — cosponsor (person)
  • Natalie A. Manley — cosponsor (person)
  • Rita Mayfield — cosponsor (person)
  • Robert Peters — cosponsor (person)
  • Robert Rita — cosponsor (person)
  • Robyn Gabel — cosponsor (person)
  • Sam Yingling — cosponsor (person)
  • Sara Feigenholtz — cosponsor (person)
  • Terra Costa Howard — cosponsor (person)
  • Terry Hall — cosponsor (person)
  • Theresa Mah — cosponsor (person)

Timeline

The legislative action history — every referral, reading, and vote.

  • 2022-01-28 Filed with the Clerk by Rep. Dagmara Avelar filing
  • 2022-01-31 First Reading reading-1
  • 2022-01-31 Referred to Rules Committee referral-committee
  • 2022-02-09 Assigned to Insurance Committee referral-committee
  • 2022-02-17 Do Pass / Consent Calendar Insurance Committee; 017-000-000 committee-passage
  • 2022-02-18 Placed on Calendar 2nd Reading - Consent Calendar
  • 2022-02-22 Added Co-Sponsor Rep. Adam Niemerg
  • 2022-02-22 Removed Co-Sponsor Rep. Adam Niemerg
  • 2022-03-01 Second Reading - Consent Calendar reading-2
  • 2022-03-01 Held on Calendar Order of Second Reading - Consent Calendar reading-2
  • 2022-03-02 Placed on Calendar Order of 3rd Reading - Consent Calendar
  • 2022-03-03 Third Reading - Consent Calendar - First Day reading-3
  • 2022-03-04 Added Co-Sponsor Rep. Norine K. Hammond
  • 2022-03-04 Added Co-Sponsor Rep. Tony McCombie
  • 2022-03-04 Third Reading - Consent Calendar - Passed 104-000-000 passage, reading-3
  • 2022-03-04 Removed Co-Sponsor Rep. Norine K. Hammond
  • 2022-03-04 Removed Co-Sponsor Rep. Tony McCombie
  • 2022-03-07 Arrive in Senate introduction
  • 2022-03-07 Placed on Calendar Order of First Reading reading-1
  • 2022-03-07 Chief Senate Sponsor Sen. John Connor
  • 2022-03-07 First Reading reading-1
  • 2022-03-07 Referred to Assignments referral-committee
  • 2022-04-30 Alternate Chief Sponsor Changed to Sen. Don Harmon
  • 2022-11-16 Approved for Consideration Assignments
  • 2022-11-16 Placed on Calendar Order of 2nd Reading November 29, 2022
  • 2022-11-30 Second Reading reading-2
  • 2022-11-30 Placed on Calendar Order of 3rd Reading December 1, 2022
  • 2023-01-01 Pursuant to Senate Rule 3-9(b) / Referred to Assignments referral-committee
  • 2023-01-03 Approved for Consideration Assignments
  • 2023-01-03 Placed on Calendar Order of 3rd Reading January 4, 2023
  • 2023-01-08 Senate Floor Amendment No. 1 Filed with Secretary by Sen. Don Harmon amendment-introduction
  • 2023-01-08 Senate Floor Amendment No. 1 Referred to Assignments referral-committee
  • 2023-01-09 Senate Floor Amendment No. 2 Filed with Secretary by Sen. Don Harmon amendment-introduction
  • 2023-01-09 Senate Floor Amendment No. 2 Referred to Assignments referral-committee
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Terry Hall
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Jacqueline Y. Collins
  • 2023-01-09 Senate Floor Amendment No. 3 Filed with Secretary by Sen. Don Harmon amendment-introduction
  • 2023-01-09 Senate Floor Amendment No. 3 Referred to Assignments referral-committee
  • 2023-01-09 Senate Floor Amendment No. 3 Be Approved for Consideration Assignments
  • 2023-01-09 Senate Floor Amendment No. 4 Filed with Secretary by Sen. Don Harmon amendment-introduction
  • 2023-01-09 Senate Floor Amendment No. 4 Referred to Assignments referral-committee
  • 2023-01-09 Senate Floor Amendment No. 4 Be Approved for Consideration Assignments
  • 2023-01-09 Senate Floor Amendment No. 5 Filed with Secretary by Sen. Don Harmon amendment-introduction
  • 2023-01-09 Senate Floor Amendment No. 5 Referred to Assignments referral-committee
  • 2023-01-09 Senate Floor Amendment No. 5 Be Approved for Consideration Assignments
  • 2023-01-09 Recalled to Second Reading reading-2
  • 2023-01-09 Senate Floor Amendment No. 3 Adopted; Harmon amendment-passage
  • 2023-01-09 Senate Floor Amendment No. 4 Adopted; Harmon amendment-passage
  • 2023-01-09 Senate Floor Amendment No. 5 Adopted; Harmon amendment-passage
  • 2023-01-09 Placed on Calendar Order of 3rd Reading
  • 2023-01-09 Third Reading - Passed; 034-020-000 passage, reading-3
  • 2023-01-09 Senate Floor Amendment No. 1 Tabled Pursuant to Rule 5-4(a) amendment-failure
  • 2023-01-09 Senate Floor Amendment No. 2 Tabled Pursuant to Rule 5-4(a) amendment-failure
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Elgie R. Sims, Jr.
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Sara Feigenholtz
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Laura Fine
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Ann Gillespie
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Celina Villanueva
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Robert Peters
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Laura M. Murphy
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Cristina Castro
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Adriane Johnson
  • 2023-01-09 Added as Alternate Co-Sponsor Sen. Cristina H. Pacione-Zayas
  • 2023-01-10 Arrived in House introduction
  • 2023-01-10 Placed on Calendar Order of Concurrence Senate Amendment(s) 3, 4, 5
  • 2023-01-10 Chief Sponsor Changed to Rep. Emanuel Chris Welch
  • 2023-01-10 Added Chief Co-Sponsor Rep. Bob Morgan
  • 2023-01-10 Added Chief Co-Sponsor Rep. Maura Hirschauer
  • 2023-01-10 Added Chief Co-Sponsor Rep. La Shawn K. Ford
  • 2023-01-10 Senate Floor Amendment No. 3 Motion Filed Concur Rep. Emanuel Chris Welch
  • 2023-01-10 Senate Floor Amendment No. 4 Motion Filed Concur Rep. Emanuel Chris Welch
  • 2023-01-10 Senate Floor Amendment No. 5 Motion Filed Concur Rep. Emanuel Chris Welch
  • 2023-01-10 Senate Floor Amendment No. 3 Motion to Concur Referred to Rules Committee referral-committee
  • 2023-01-10 Senate Floor Amendment No. 4 Motion to Concur Referred to Rules Committee referral-committee
  • 2023-01-10 Senate Floor Amendment No. 5 Motion to Concur Referred to Rules Committee referral-committee
  • 2023-01-10 Senate Floor Amendment No. 3 Motion to Concur Recommends Be Adopted Rules Committee; 003-001-000
  • 2023-01-10 Senate Floor Amendment No. 4 Motion to Concur Recommends Be Adopted Rules Committee; 003-001-000
  • 2023-01-10 Senate Floor Amendment No. 5 Motion to Concur Recommends Be Adopted Rules Committee; 003-001-000
  • 2023-01-10 Added Co-Sponsor Rep. Joyce Mason
  • 2023-01-10 Added Co-Sponsor Rep. Anna Moeller
  • 2023-01-10 Added Co-Sponsor Rep. Barbara Hernandez
  • 2023-01-10 Added Co-Sponsor Rep. Dagmara Avelar
  • 2023-01-10 Added Co-Sponsor Rep. Anne Stava-Murray
  • 2023-01-10 Added Co-Sponsor Rep. Kelly M. Cassidy
  • 2023-01-10 Added Co-Sponsor Rep. Kathleen Willis
  • 2023-01-10 Added Co-Sponsor Rep. Ann M. Williams
  • 2023-01-10 Added Co-Sponsor Rep. Denyse Wang Stoneback
  • 2023-01-10 Added Co-Sponsor Rep. Mark L. Walker
  • 2023-01-10 Added Co-Sponsor Rep. Michael J. Zalewski
  • 2023-01-10 Added Co-Sponsor Rep. Theresa Mah
  • 2023-01-10 Added Co-Sponsor Rep. Eva-Dina Delgado
  • 2023-01-10 Added Co-Sponsor Rep. Terra Costa Howard
  • 2023-01-10 Added Co-Sponsor Rep. Martin J. Moylan
  • 2023-01-10 Added Co-Sponsor Rep. Greg Harris
  • 2023-01-10 Added Co-Sponsor Rep. Justin Slaughter
  • 2023-01-10 Added Co-Sponsor Rep. Margaret Croke
  • 2023-01-10 Added Co-Sponsor Rep. Daniel Didech
  • 2023-01-10 Added Co-Sponsor Rep. Michelle Mussman
  • 2023-01-10 Added Co-Sponsor Rep. Jennifer Gong-Gershowitz
  • 2023-01-10 Added Co-Sponsor Rep. Debbie Meyers-Martin
  • 2023-01-10 Added Co-Sponsor Rep. Robert Rita
  • 2023-01-10 Added Co-Sponsor Rep. Jaime M. Andrade, Jr.
  • 2023-01-10 Added Co-Sponsor Rep. Aaron M. Ortiz
  • 2023-01-10 Added Co-Sponsor Rep. Janet Yang Rohr
  • 2023-01-10 Added Co-Sponsor Rep. Edgar Gonzalez, Jr.
  • 2023-01-10 Added Co-Sponsor Rep. Lakesia Collins
  • 2023-01-10 Added Co-Sponsor Rep. Robyn Gabel
  • 2023-01-10 Added Co-Sponsor Rep. Jonathan Carroll
  • 2023-01-10 Added Co-Sponsor Rep. Sam Yingling
  • 2023-01-10 Added Co-Sponsor Rep. Rita Mayfield
  • 2023-01-10 Added Co-Sponsor Rep. Carol Ammons
  • 2023-01-10 Added Co-Sponsor Rep. Natalie A. Manley
  • 2023-01-10 Senate Floor Amendment No. 3 House Concurs 068-041-000
  • 2023-01-10 Senate Floor Amendment No. 4 House Concurs 068-041-000
  • 2023-01-10 Senate Floor Amendment No. 5 House Concurs 068-041-000
  • 2023-01-10 Senate Floor Amendment No. 3 Motion Filed to Reconsider Vote Rep. Ann M. Williams
  • 2023-01-10 Senate Floor Amendment No. 4 Motion Filed to Reconsider Vote Rep. Ann M. Williams
  • 2023-01-10 Senate Floor Amendment No. 5 Motion Filed to Reconsider Vote Rep. Ann M. Williams
  • 2023-01-10 Added as Alternate Co-Sponsor Sen. Kimberly A. Lightford
  • 2023-01-10 Senate Floor Amendment No. 3 Motion to Reconsider Vote - Withdrawn Rep. Ann M. Williams
  • 2023-01-10 Senate Floor Amendment No. 4 Motion to Reconsider Vote - Withdrawn Rep. Ann M. Williams
  • 2023-01-10 Senate Floor Amendment No. 5 Motion to Reconsider Vote - Withdrawn Rep. Ann M. Williams
  • 2023-01-10 Passed Both Houses
  • 2023-01-10 Sent to the Governor executive-receipt
  • 2023-01-10 Governor Approved executive-signature
  • 2023-01-10 Effective Date January 10, 2023
  • 2023-01-10 Public Act . . . . . . . . . 102-1116 became-law

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/010ac947-9209-4d69-9900-cb397fd61bf3. Confidence: reported (aggregated from official Illinois legislature records).