[{"_1":2,"_88":-5,"_89":-5},"loaderData",{"_3":4,"_26":27},"root",{"_5":6,"_17":10,"_18":19,"_20":21,"_22":10,"_23":-5,"_24":-5,"_25":10},"user",{"_7":8,"_9":10,"_11":10,"_12":-5,"_13":-5,"_14":15,"_16":-5},"roles",[],"isAuthenticated",false,"isPremium","planName","subscriptionStatus","featureFlags",{},"insightsBudget","isDevelopmentHost","userPreferences",{},"recaptchaSiteKey","6LcvOJcUAAAAAHsB-gPGfGktcRlKpH7OTIU_dMTD","isImpersonating","impersonation","affiliateStatus","isFreedomPortal","routes/v2/article/layout",{"_28":29,"_30":31},"notFound",true,"relatedArticles",[32,76],{"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_55":56,"_57":58,"_59":60,"_61":62,"_63":64,"_65":66,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},"mediaId",6336986,"mediaKeyId","2277209-5c189068a6928ebea1ac5d15062b1aa4","parentId",2277209,"title","Committee approves HB 233 to curb liens and add short cancellation window after storm claims","audioSeconds",516,"startMs",307000,"endMs",823000,"viewUrl","/Search/View?dp=1&key=2277209-5c189068a6928ebea1ac5d15062b1aa4&start=307&end=823","thumbnailUrl","https://assets.pipeline.soar.com/2277209-5c189068a6928ebea1ac5d15062b1aa4/thumbnail_307000.jpg","articleUrl","/articles/6336986/Kentucky/Committee-approves-HB-233-to-curb-liens-and-add-short-cancellation-window-after-storm-claims","mediaUrl","https://secure.pipeline.soar.com/6336986-19f548870f365d1af8b82d9712c2a341/orig.mp4?Expires=1771163253&Signature=hRlyfIaCtxkqryX1wWNwRY16mDQo~zwY23NHb467M94ao0s3sYhivYwvbYpemV-cJCg2kpPMff~5xjeN4t~9jL6kDH0PC3IZR6e6iKLXG-~nAYEdQvMTpsXMGo44xNlxiRZVYUQOnkRQ-3bz5W6UtupNPQcIj3JEv0cNjxwUOy13YKsELGsDT3KqCqWsRFcLo5BrjUb~Rj36RE2a03Zjy74ngg4td6wJ7gIXErRT54byVeahAK7o0z3OoNldHgSx0dcYaNsjtvysJV3X0HBORahk6hE0pzYzE2LKBYU8xn9fW10ZcHoEZCsWYF1HOBkGMTuERPyLFtD3zqlk7TIbWw__&Key-Pair-Id=KUT5TJCACFTXG","author","Kentucky Legislature","date","2025-02-12T00:00:00Z","article","The House Standing Committee on Banking and Insurance voted to report House Bill 233 favorably after testimony from the bill sponsor and insurance-industry witnesses.

Representative Wade Williams, sponsor of HB 233, introduced the bill and a committee substitute that staff had prepared to incorporate cross-references to other statutes. The substitute was adopted before the committee debated the bill.

Ann Marie Franklin of Kentucky Farm Bureau Insurance testified in support and framed the bill as a consumer-protection measure after severe weather. \"We've had tornadoes, windstorms, ice storms, flooding, you name it. And the insurance agencies, insurance companies in the state of Kentucky along, with our our good men and women in the contracting world, have been there to, respond to those events. However, we found, that there's unfortunately always bad characters who want to come take advantage of people, in some of the most vulnerable situations. And that's kinda what, House Bill 2 33 does. It's a consumer protection bill above all else,\" Franklin said.

Franklin summarized the bill's main provisions: it expands existing statutes to cover contractors beyond tree-removal companies when work arises from a property and casualty insurance claim; it creates a five-day cancellation period for contracts entered after notice from an insurer that services may not be covered by the policy; and it prohibits a mechanic's lien from being placed on an insured following a financial dispute between the insurer and the contractor (while allowing mechanic's liens outside the statute's scope).

Representative Smith clarified scope: the protection applies only to contractors working under a property and casualty insurance claim, not to unrelated private work. Representative Ball asked about the bill's $5,000 civil penalty and whether it should be indexed to inflation; a staff or witness response said the amount was \"industry standard\" in consultation with the attorney general's office but acknowledged indexing had not been included in the draft.

Representative Hancock, speaking from insurance-industry experience, gave a recent example: \"I just had it happen within the past few weeks, where Christmas Eve, insured had their headwater. So we sent a contractor out to clean up the water. It ended up not being a covered loss, and then they're on the line to pay these extra, these extraordinary, horribly high bills.\" Hancock said the five-day period offers an extra layer of protection for policyholders.

A motion to pass HB 233 as amended by the committee substitute was made by Representative Pollock and seconded by Representative Lockett. The committee adopted the bill and Chair Meredith announced, \"House Bill 2 33 as amended by the committee substitute does pass with favorable expression. Same on the House floor.\"

Votes at a glance: HB 233 — Motion: pass and report favorably to the House floor (as amended by committee substitute); Mover: Representative Pollock; Second: Representative Lockett; Outcome: passed by roll call (members recorded voting yes included Representative Ault, Representative Bauman, Representative Camille, Representative Lockett, Representative Pollock, Representative Rudy, Representative Smith, Chair Meredith and others recorded during roll call).

Key details: the bill covers contractors performing work tied to property and casualty insurance claims, establishes a five-day cancellation window following insurer notice that work may not be covered, prohibits mechanic's liens on insureds within that dispute context, and sets a $5,000 civil penalty (not indexed to inflation in current draft). The bill moves to the full House for further consideration.","mediaType","Video","parentTitle","House Standing Committee on Banking & Insurance (2-12-25)","oneSentenceSummary","The committee passed House Bill 233, a consumer-protection measure that expands lien protections and provides a five-day cancellation window for contractors working on property and casualty insurance claims, and establishes a $5,000 civil penalty for violations.","taxTitle","2025 Legislature KY, Kentucky","taxId",77680,"location","Kentucky","headline","","shortSummary",{"_33":77,"_35":36,"_37":38,"_39":78,"_41":79,"_43":80,"_45":81,"_47":82,"_49":83,"_51":84,"_53":85,"_55":56,"_57":58,"_59":86,"_61":62,"_63":64,"_65":87,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6336992,"Committee votes to continue insurance regulatory sandbox in HB 184",196,127000,323000,"/Search/View?dp=1&key=2277209-5c189068a6928ebea1ac5d15062b1aa4&start=127&end=323","https://assets.pipeline.soar.com/2277209-5c189068a6928ebea1ac5d15062b1aa4/thumbnail_127000.jpg","/articles/6336992/Kentucky/Committee-votes-to-continue-insurance-regulatory-sandbox-in-HB-184","https://secure.pipeline.soar.com/6336992-e7b40b83521cf79ff0cec7b8d88be570/orig.mp4?Expires=1771163253&Signature=b1LemnMRp9FoTxThjiPESYg8LdIdQCfyboXoNNJlJvI8jpu29LzU3up67xIB3eA7qdTCHja5ImhonRMfMQYs~zwo6zpmmfxKuPSDQS~1wCTp12Aa8gRrRFf1HI~xhgmtkiiSrFm~My8XfWt~aTYzUxWoOZ0a29ozouGExicpoVK~LxlVqAO-P4TvAFnAJ~xc4bfRI9~Wrzg2MyBzg40n2mozKwu2SUJEeOosrGzhlmxqgxC8ykzVYLtxOAHGfecbORhyFtMJZZOn4bo2f3EMbyz3FICnvcwd0Tn~xh8sIYPzvkVJPVjPnaWcOTwdPKOwCysumJctrHCpgnS-5ggtIg__&Key-Pair-Id=KUT5TJCACFTXG","The House Standing Committee on Banking and Insurance voted to give House Bill 184 a favorable report, extending the insurance regulatory sandbox for insurers.

Representative Clines, sponsor of the measure, told the committee the bill is \"a continuation bill, specifically to continue the existence of the insurance regulatory sandbox.\" He said the continuation follows the five-year model used in earlier legislation and noted the state has not yet had an insurer use the sandbox. \"There hasn't been, anyone that utilized the regulatory sandbox for the insurance,\" Clines said.

The bill drew a brief line of questions about the time limit set in the measure. Representative Pollock asked whether the committee should put a time limit on the continuation; Representative Clines said the five-year timeline was modeled after prior law and suggested that if the sandbox remained unused another five years it might be appropriate to sunset it. Clines also noted that Representative Pratt previously sponsored a universal regulatory sandbox, but that the insurance carve-out is not included in that measure.

Committee members moved and seconded the bill (motion by Representative Lewis; second by Representative Frazier Gordon). The committee conducted a roll call and Chair Meredith announced, \"House Bill 184 does pass with favorable expressions. Same on the House floor.\" Several members explained their votes during roll call; Representative Lockett asked to explain his vote and credited Representative Pollock's earlier question as influential.

The bill now moves to the full House for further consideration.

Votes at a glance: HB 184 — Motion: pass and report favorably to the House floor; Mover: Representative Lewis; Second: Representative Frazier Gordon; Outcome: passed by roll call (members recorded voting yes included Representative Ault, Representative Bowman, Representative Kamil, Representative Clont, Representative Duvall, Representative Frazier Gordon, Representative Gooch, Representative Grossberg, Representative Hampton, Representative Hebron, Representative Lewis, Representative Lockett, Representative Pollock, Representative Smith, Chair Meredith).","The House Standing Committee on Banking and Insurance passed House Bill 184 to extend the insurance regulatory sandbox for another term, noting the program has not yet been used and may be folded into broader statewide language later.","actionData","errors"]

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Committee approves HB 233 to curb liens and add short cancellation window after storm claims

Committee votes to continue insurance regulatory sandbox in HB 184