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First hearing: bill would let homeowners set aside tax-preferred 'catastrophic savings' for disaster deductibles

2389711 · February 25, 2025
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

Representative Lumsden presented a model-based bill to let homeowners create state-tax-preferred catastrophic savings accounts for future disaster deductibles; legislators asked about account mechanics, rollover, inheritance and links to federal treatment.

Representative Lumsden introduced House Bill 511, a model piece of legislation from the National Conference of Insurance Legislators (NCOIL) that would allow individual homeowners to reduce their Georgia taxable income by contributions to a designated "catastrophic savings account" used to cover an insurance deductible after a declared catastrophic event.

Under the draft language discussed in committee, qualifying homeowners…

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