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Committee introduces wildfire-insurance bill to create mitigation/stabilization pool; three members recorded 'no'
Summary
The committee introduced RS 31831, a proposal modeled on high-risk insurance pools to create a fund and board that would finance home-hardening grants and market-stabilization mechanisms for wildfire-prone areas. Director Dean Cameron detailed six proposed funding sources and said the Board would be industry-led.
Representative Clow presented RS 31831 and yielded to Dean Cameron, director of the Idaho Department of Insurance, who outlined an industry-driven plan to stabilize the property insurance market and help homeowners mitigate wildfire risk.
Director Dean Cameron told the committee the state experienced a severe wildfire year with nearly 1,000,000 acres burned and the loss of roughly 140 structures, including 41 residences. He described two linked strategies in the RS: (1) a mitigation grant pool to help homeowners harden homes (examples mentioned included screening eaves, replacing flammable landscaping, and roof replacement) and (2) an industry-guided stabilization…
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