Fabio
110 lines
9.1 KiB
Markdown
110 lines
9.1 KiB
Markdown
---
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type: "Bill"
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title: "CLIMATE RISK & STRENGTHEN HOME"
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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."
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jurisdiction: "us/states/il"
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legislature: "Illinois General Assembly"
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session: "104th"
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identifier: "SB 4006"
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citation: "Illinois SB 4006 (104th)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["Julie A. Morrison", "Thaddeus Jones"]
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version_count: 4
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action_count: 39
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vote_count: 5
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first_action: "2026-02-06"
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last_action: "2026-06-26"
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source: "openstates"
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source_identifier: "ocd-bill/c16ea6c3-345d-45b0-b369-6d2e01a9b948"
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source_url: "https://ilga.gov/Legislation/BillStatus?DocNum=4006&GAID=18&DocTypeID=SB&LegId=167535&SessionID=114"
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source_hash: "ca311422a0352f226257a6eb027c063b21f17556a6b87d114e63997b32d93898"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-il"]
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---
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# Illinois SB 4006 (104th) — CLIMATE RISK & STRENGTHEN HOME
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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.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **Introduced** (filed) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB4006.pdf)
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2. **Engrossed** (committee substitute) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB4006eng.pdf)
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3. **Senate Amendment 001** (committee substitute) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB4006sam001.pdf)
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4. **Enrolled** (enrolled) — [source](https://ilga.gov/documents/legislation/104/SB/PDF/10400SB4006enr.pdf)
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## Votes
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- Insurance — **11–0** (pass) · upper
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- Insurance — **11–0** (pass) · upper
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- Third Reading — **54–0** (pass) · upper
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- Third Reading — **78–32** (pass) · lower
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- Insurance — **10–5** (pass) · lower
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## Sponsors
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- Julie A. Morrison — primary (person)
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- Thaddeus Jones — primary (person)
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- Adriane Johnson — cosponsor (person)
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- Bob Morgan — cosponsor (person)
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- Christopher Belt — cosponsor (person)
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- Doris Turner — cosponsor (person)
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- Mattie Hunter — cosponsor (person)
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- Meg Loughran Cappel — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2026-02-06** Filed with Secretary by Sen. Julie A. Morrison `filing`
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- **2026-02-06** First Reading `reading-1`
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- **2026-02-06** Referred to Assignments
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- **2026-03-03** Assigned to Insurance `referral-committee`
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- **2026-03-10** Postponed - Insurance
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- **2026-03-12** Added as Co-Sponsor Sen. Christopher Belt
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- **2026-03-13** Rule 2-10 Committee Deadline Established As March 27, 2026
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- **2026-03-24** Postponed - Insurance
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- **2026-03-25** Added as Co-Sponsor Sen. Mattie Hunter
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- **2026-03-25** Added as Co-Sponsor Sen. Meg Loughran Cappel
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- **2026-03-26** Added as Co-Sponsor Sen. Doris Turner
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- **2026-03-27** Rule 2-10 Committee Deadline Established As April 24, 2026
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- **2026-03-31** Added as Co-Sponsor Sen. Adriane Johnson
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- **2026-04-10** Senate Committee Amendment No. 1 Filed with Secretary by Sen. Julie A. Morrison `amendment-introduction`
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- **2026-04-10** Senate Committee Amendment No. 1 Referred to Assignments
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- **2026-04-14** Senate Committee Amendment No. 1 Assignments Refers to Insurance
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- **2026-04-14** Senate Committee Amendment No. 1 Adopted `amendment-passage`
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- **2026-04-14** Do Pass as Amended Insurance; 011-000-000
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- **2026-04-14** Placed on Calendar Order of 2nd Reading April 15, 2026 `reading-2`
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- **2026-04-15** Second Reading `reading-2`
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- **2026-04-15** Placed on Calendar Order of 3rd Reading April 16, 2026
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- **2026-04-16** Third Reading - Passed; 054-000-000 `passage, reading-3`
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- **2026-04-17** Arrived in House `introduction`
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- **2026-04-17** Chief House Sponsor Rep. Thaddeus Jones
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- **2026-04-17** First Reading `reading-1`
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- **2026-04-17** Referred to Rules Committee
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- **2026-04-27** Assigned to Insurance Committee `referral-committee`
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- **2026-05-05** Do Pass / Short Debate Insurance Committee; 010-005-000
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- **2026-05-06** Placed on Calendar 2nd Reading - Short Debate `reading-2`
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- **2026-05-19** Second Reading - Short Debate `reading-2`
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- **2026-05-19** Held on Calendar Order of Second Reading - Short Debate `reading-2`
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- **2026-05-20** Added Alternate Chief Co-Sponsor Rep. Bob Morgan
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- **2026-05-20** Placed on Calendar Order of 3rd Reading - Short Debate
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- **2026-05-22** Third Reading/Final Action Deadline Extended-9(b) May 31, 2026
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- **2026-05-27** Third Reading - Short Debate - Passed 078-032-000 `passage, reading-3`
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- **2026-05-27** Passed Both Houses
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- **2026-06-22** Sent to the Governor `executive-receipt`
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- **2026-06-26** Governor Approved `executive-signature`
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- **2026-06-26** Public Act . . . . . . . . . 104-0534 `became-law`
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c16ea6c3-345d-45b0-b369-6d2e01a9b948`. Confidence: reported (aggregated from official Illinois legislature records).
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