ARIZONA HOUSE OF REPRESENTATIVES Fifty-fifth Legislature Second Regular Session
	House:  COM DPA/SE 10-0-0-0

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HB 2183: fire insurance; flooding; wildfires

NOW: wildfires; flooding; fire insurance

Sponsor: Representative Cook, LD 8

House Engrossed

Overview

Outlines certain perils that must be covered under the Arizona Standard Fire Policy.

History

An insurance policy is a contract in which an insurer indemnifies an insured against losses from specific contingencies or perils. Fire insurance policies, which insure against perils of fire or lightning, are written under the Arizona Standard Fire Policy. Statute requires the Arizona Standard Fire Policy to conform with the New York Standard Fire Policy. Additional coverage against perils other than those of fire and lightning may be used in connection with the standard fire policy in the form of riders or endorsements (A.R.S §§ 20-1503 & 20-1507).

The New York Standard Fire Policy contains standard policy provisions for fire insurance contracts which have become the basic policy for various states, with some states using slight variations. The main provisions include: 1) concealment and fraud; 2) uninsurable and excepted property; 3) perils not included; 4) other insurance; 5) conditions suspending or restricting insurance; 6) other perils or subjects; 7) waiver provisions; 8) cancellation of policy; 9) pro rata liability; 10) requirements in case loss occurs; 11) when loss payable; and 12) subrogation.

Provisions

1. Requires coverage for direct loss by fire under the Arizona standard fire policy to include coverage for loss or damage resulting from a landslide, mudslide, mudflow or debris flow if:

a) a fire is the efficient proximate cause of the loss or damage;

b) the fire ended within 180 days after the loss or damage; and

c) coverage would otherwise be provided for the fire. (Sec. 1)

2. Requires coverage for such perils to be provided under the same terms and conditions as would be provided for the fire. (Sec. 1)

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6.                   HB 2183

7. Initials PRB           Page 0 House Engrossed

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