Insurance; personal and commercial property; report; Insurance Commissioner; liability or collision; insure...
Do you support it?
Want to know if it passes?
We'll email you when HB 2933 moves — a committee vote, a floor vote, or a signature. Nothing else.
Free forever · unsubscribe in one click.
Your answer was recorded either way.
Which district are you in?
Your ZIP is all we need to match you to your own representatives — so we can tell you how they voted on HB 2933.
You're tracking HB 2933
We'll email you the moment it moves.
HB 2933 — Insurance; personal and commercial property; report; Insurance Commissioner; liability or collision; insurer; mediation; Homeowner Claims Bill of Rights; claims; effective date.
Last action — Placed on General Order
No card. One bill, free forever — alerts when it moves.
-
✓Introduced
-
✓In Committee
-
3Passed House
-
4Passed Senate
-
5To Executive
-
6Enacted
This bill has passed the House. Introduced February 02, 2026. It now moves to the second chamber.
Signed by Governor Kevin Stitt (Republican) on March 30, 2026.
Next likely step: consideration and a floor vote in the Senate.
Prognosis
Where this bill stands today.
Odds of enactment
ModerateHow often bills like it became law.
-
Passed House
Current position in the legislative process.
-
2 sponsors
2 primary, 0 co-sponsors signed on.
-
Single-party support
Sponsorship is currently within one party (2 R).
-
Cleared a recorded vote
Passed 4 recorded votes so far.
Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.
Bill Text
What changed in the latest version
1271 added · 1253 removedPlain-language change summary
The updated version of Bill HB 2933 includes a provision that prohibits insurance companies from canceling, refusing to renew, or increasing premiums on a policy after a customer's first claim. This change is significant as it offers greater protection to policyholders, ensuring they aren't penalized for making a claim, which supports financial stability for individuals facing unexpected events.
HOUSEENGROSSED OF REPRESENTATIVES - FLOOR VERSION STATE OF OKLAHOMA 2nd Session of the 60th Legislature (2026) COMMITTEE SUBSTITUTE FOR HOUSE BILL NO.
Tedford and Hill of the House and Reinhardt of the Senate 96 COMMITTEE8 SUBSTITUTE An Act relating to insurance;
prohibiting insurers from HB2933canceling, HFLRrefusing Pageto 1renew BOLDor FACEterminate, denotesor Committeeincreasing Amendments.policy premiums based on first claim against policy;
canceling, refusing to renew or terminate, or increasing policy premiums based on first claim against policy;
2021, Section 961, which relates to premium discounts or rate reductionsENGR. for resistance to tornado or other wind events;
H.
B.
NO.
2933 Page 1 reductions for resistance to tornado or other wind events;
permitting HB2933Insurance HFLRCommissioner Pagerule-making 2authority; BOLD FACE denotes Committee Amendments.
Insurance Commissioner rule-making authority;
requiring acknowledgement include HomeownerENGR. Claims Bill of Rights;
H.
B.
NO.
2933 Page 2 Homeowner Claims Bill of Rights;
requiring insurers to allow homeowners have a roof HB2933inspection; HFLR Page 3 BOLD FACE denotes Committee Amendments.
inspection;
4ENGR. BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
H.
B.
NO.
2933 Page 3 BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
By March 31, 2027,2028, and on a quarterly basis thereafter, each insurer authorized to write personal and commercial property insurance in this state shall file with the Oklahoma Insurance Department a supplemental report with information regarding personal and commercial residential property insurance policies in this state.
HB2933 HFLR Page 4 BOLD FACE denotes Committee Amendments.
Number of new claims openopened during each month;
9.ENGR.
H.
B.
NO.
2933 Page 4 9.
HB2933 HFLR Page 5 BOLD FACE denotes Committee Amendments.
For any repeated violation of this section, the Insurance Commissioner may, after notice and opportunity for a hearing, subject an insurer to a civil penalty of up to One Thousand Dollars ($1,000.00) for each occurrence, along with any other penalties set forthENGR. in applicable law.
H.
B.
NO.
2933 Page 5 forth in applicable law.
The Insurance Commissioner may also direct the person or organization against whom the order was issued to make complete restitution, in the form, manner, and amount and within the time period determined by the Commissioner, to all Oklahoma residents, HB2933Oklahoma HFLRinsureds, Pageand 6entities BOLDoperating FACEin denotesOklahoma Committeedamaged Amendments.by the violation or failure to comply.
Oklahoma insureds, and entities operating in Oklahoma damaged by the violation or failure to comply.
No penalty shall be imposed except upon a written order of the Commissioner or the appointed independent hearing examiner, statingENGR. the findings of the Commissioner or the appointed independent hearing examiner after notice and opportunity for a hearing in accordance with Article II of the Administrative Procedures Act.
Show all 364 changed lines (324 more)
H.
B.
NO.
2933 Page 6 stating the findings of the Commissioner or the appointed independent hearing examiner after notice and opportunity for a hearing in accordance with Article II of the Administrative Procedures Act.
The Insurance Commissioner may also direct the person or organization against whom the order was issued to make complete HB2933restitution, HFLRin Pagethe 7form, BOLDmanner, FACEand denotesamount Committeeand Amendments.within the time period determined by the Commissioner, to all Oklahoma residents, Oklahoma insureds, and entities operating in Oklahoma damaged by the violation or failure to comply.
restitution,ENGR. in the form, manner, and amount and within the time period determined by the Commissioner, to all Oklahoma residents, Oklahoma insureds, and entities operating in Oklahoma damaged by the violation or failure to comply.
C.H.
B.
NO.
2933 Page 7 C.
provided, however, those offenses that are provided for in subsection C of Section 941 of this title and the offense of reckless driving as provided for in Section 11-901 of Title 47 of HB2933the HFLROklahoma PageStatutes 8may BOLDbe FACEconsidered denotesby Committeean Amendments.insurance carrier for a period of not more than five (5) years.
the Oklahoma Statutes may be considered by an insurance carrier for a period of not more than five (5) years.
SectionENGR. 943.
H.
B.
NO.
2933 Page 8 Section 943.
No insurer shall cancel,cancel or refuse to renew or otherwise terminate, a motor vehicle policy which has been in effect more than forty-five (45) days solely because the insured filed a first claim against the policy.
HB2933 HFLR Page 9 BOLD FACE denotes Committee Amendments.
orENGR. 5.
AH. determination by the Insurance Commissioner that the continuation of the policy would place the insurer in violation of the insurance laws of this state.
B.
NO.
2933 Page 9 5.
A determination by the Insurance Commissioner that the continuation of the policy would place the insurer in violation of the insurance laws of this state;
6.
A violation of any of the terms and conditions of the policy;
7.
The named insured failed to disclose fully his or her motor vehicle accident and moving traffic violations for the preceding thirty-six (36) months if called for in the application;
8.
An insured made a false or fraudulent claim or knowingly aided or abetted another in the presentation of such a claim;
or 9.
The insured automobile is:
a.
so mechanically defective that its operation might endanger public safety, b.
used in carrying passengers for hire or compensation (the use of an automobile for a car pool shall not be considered use of an automobile for hire or compensation), c.
used in the business of transportation of flammables or explosives, d.
an authorized emergency vehicle, or e.
subject to an inspection law and has not been inspected or, if inspected, has failed to qualify.
The Insurance Commissioner may suspend or revoke, after notice and hearing, the certificate of authority to transact insuranceENGR. business in this state of any insurance carrier violating the provisions of this section or may censure the insurer or impose a fine.
H.
B.
NO.
2933 Page 10 insurance business in this state of any insurance carrier violating the provisions of this section or may censure the insurer or impose a fine.
Commencing on April 1, 2018, insurance Insurance companies shall provide a premium discount or insurance rate reduction in an amount and manner as established in subsection D of this section and pursuant to Section 3 963 of this act only when the company determines that the premium discount or rate reduction is actuarially justified and there is sufficient and credible evidence of cost savings Section 963 of this title, which can be attributed to the construction standards set forth in subsection B of this section.
A premium discount or rate reduction shall be available under the terms specified in this section to any owner who HB2933builds HFLRor Pagelocates 10a BOLDnew FACEinsurable denotesproperty Committeein Amendments.the State of Oklahoma to resist loss due to tornado or other catastrophic windstorm events.
builds or locates a new insurable property in the State of Oklahoma to resist loss due to tornado or other catastrophic windstorm events.
In addition, insurance companies may also offer additional adjustments in deductible,ENGR. other risk differentials, or a combination thereof, collectively referred to as other adjustments.
H.
NO.
2933 Page 11 deductible, other risk differentials, or a combination thereof, collectively referred to as other adjustments.
B.
An insurable property shall be certified as conforming to the applicable building code only after an inspection of the insurable property has been satisfactorily completed by a certified or licensed building inspector and certified to be conforming to the applicable building HB2933code HFLRincluding Pageall 11high BOLDwind FACEand denoteshail Committeemitigation Amendments.construction requirements.
code including all high wind and hail mitigation construction requirements.
An owner of insurable property claiming a premium discount, rate reduction, or other adjustment pursuant to this section shall maintain sufficient certification records and construction records including,ENGR. but not limited to, a certification of compliance with the applicable building code or the FORTIFIED Home High Wind and Hail Standards provided in subsection B of this section, receipts from contractors, receipts for materials and records from local building officials.
H.
B.
NO.
2933 Page 12 including, but not limited to, a certification of compliance with the applicable building code or the FORTIFIED Home High Wind and Hail Standards provided in subsection B of this section, receipts from contractors, receipts for materials and records from local building officials.
Insurers that write policies that are subject to the premium discount or rate reduction in this section and that are required to submit rates and rating plans to the Commissioner pursuant to Section 987 of Title 36 of the Oklahoma Statutes this title shall submit a rating plan certified by their actuary as actuarially justified providing for the premium discount or rate reduction HB2933described HFLRin Pagethis 12section. BOLD FACE denotes Committee Amendments.
described in this section.
A premium discount, rate reduction, or other adjustment shallENGR. apply exclusively to the wind and hail premium applicable to improved insurable property.
H.
B.
NO.
2933 Page 13 shall apply exclusively to the wind and hail premium applicable to improved insurable property.
At the time of a policy renewal for which a premium discount, rate reduction, or other adjustment has previously been made, the insurer HB2933may HFLRrequest Pagedocumentation 13or BOLDrecertification FACEthat denotesthe Committeefortified Amendments.standards as described in subsection C of this section continue to be met.
may request documentation or recertification that the fortified standards as described in subsection C of this section continue to be met.
SectionENGR. 962.
H.
B.
NO.
2933 Page 14 Section 962.
Commencing on April 1, 2018, insurance Insurance companies shall provide a premium discount or insurance rate reduction in an amount and manner as established in subsection D of this section and pursuant to Section 3 963 of this act only when the company determines that the premium discount or rate reduction is actuarially justified and there is sufficient and credible evidence of cost savings Section 963 of this title, which can be attributed to the construction standards set forth in subsection B of this section.
Insurance companies shall be required to offer a premium discount or rate reduction only when the insurer has deemed the adjustments to be actuarially justified and there is sufficient and credible evidence of cost savings, which can be attributed to the construction standards set forth in subsection B of this HB2933section. HFLR Page 14 BOLD FACE denotes Committee Amendments.
section.
To obtain the premium discount, rate reduction, or other adjustment provided in this section, an insurable property shall be retrofitted to the FORTIFIED Home High Wind and Hail Standards, as may from time to time be adopted by the Institute for Business and HomeENGR. Safety (IBHS).
H.
B.
NO.
2933 Page 15 Home Safety (IBHS).
The records shall be subject to audit by the Insurance Commissioner, or his or her representatives, and HB2933copies HFLRof Pageany 15such BOLDrecords FACEshall denotesbe Committeepresented Amendments.to the insurer or potential insurer of a property owner before the premium discount, rate reduction, or other adjustment becomes effective for the insurable property.
copies of any such records shall be presented to the insurer or potential insurer of a property owner before the premium discount, rate reduction, or other adjustment becomes effective for the insurable property.
Insurers that write policies that are subject to the premium discount or rate reduction in this section and that are required to submit rates and rating plans to the Commissioner pursuant to SectionENGR. 987 of Title 36 of the Oklahoma Statutes this title shall submit rating plans certified by their actuary as actuarially justified providing for the premium discounts or rate reductions described in this section.
H.
B.
NO.
2933 Page 16 Section 987 of Title 36 of the Oklahoma Statutes this title shall submit rating plans certified by their actuary as actuarially justified providing for the premium discounts or rate reductions described in this section.
If an insurer already offers an actuarially justified a discount for IBHS FORTIFIED Home standards, that discount shall be deemed as having met the requirements of this act as it pertains to wind-related discounts or rate reductions and no additional wind- HB2933related HFLRdiscount Pageor 16rate BOLDreduction FACEshall denotesbe Committeerequired. Amendments.
related discount or rate reduction shall be required.
At the time of a policy renewal for which a premium discount, rate reduction, or other adjustment has previously been made, the insurer may request documentation or recertification that the fortified standards as describedENGR. in subsection C of this section continue to be met.
H.
B.
NO.
2933 Page 17 described in subsection C of this section continue to be met.
The Commissioner may also direct the person against whom the order was issued to make complete restitution, in the form, manner, and amount and within the time period determined by the HB2933Commissioner, HFLRto Pageall 17Oklahoma BOLDresidents, FACEOklahoma denotesinsureds, Committeeand Amendments.entities operating in Oklahoma damaged by the violation or failure to comply.
Commissioner, to all Oklahoma residents, Oklahoma insureds, and entities operating in Oklahoma damaged by the violation or failure to comply.
SectionENGR. 1204.
H.
B.
NO.
2933 Page 18 Section 1204.
Making, issuing, circulating, or causing to be made, issued or circulated, any estimate, illustration, circular or statement misrepresenting the terms of any policy issued or to be issued or the benefits or advantages promised thereby or the dividends or share of the surplus to be received thereon, or making any false or misleading statement as to the dividends or share of surplus previously paid on similar policies, or making any misleading representation or any misrepresentation as to the financial condition of any insurer, or as to the legal reserve system upon which any life insurer operates, or using any name or title of any policy or class of policies misrepresenting the true nature thereof, or making any misrepresentation to any policyholder insured in any company for the purpose of inducing or tending to HB2933induce HFLRsuch Pagepolicyholder 18to BOLDlapse, FACEforfeit, denotesor Committeesurrender Amendments.his or her insurance;
induce such policyholder to lapse, forfeit, or surrender his or her insurance;
Making, publishing, disseminating, circulating, or placing before the public, or causing, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in a newspaper, magazine, or other publication, or in the form of a notice,ENGR. circular, pamphlet, letter or poster, or over any radio or television station, or in any other way an advertisement, announcement or statement containing any assertion, representation or statement with respect to the business of insurance or with respect to any person in the conduct of his or her insurance business which is untrue, deceptive or misleading.
H.
B.
NO.
2933 Page 19 notice, circular, pamphlet, letter or poster, or over any radio or television station, or in any other way an advertisement, announcement or statement containing any assertion, representation or statement with respect to the business of insurance or with respect to any person in the conduct of his or her insurance business which is untrue, deceptive or misleading.
HB2933 HFLR Page 19 BOLD FACE denotes Committee Amendments.
4.ENGR.
H.
B.
NO.
2933 Page 20 4.
Making any false entry in any book, report or statement of any insurer with intent to deceive any agent or examiner lawfully appointed to examine into its condition or into any of its affairs, or any public official to whom such insurer is required by law to report, or who has authority by law to examine into its condition or HB2933into HFLRany Pageof 20its BOLDaffairs, FACEor, denoteswith Committeelike Amendments.intent, willfully omitting to make a true entry of any material fact pertaining to the business of such insurer in any book, report or statement of such insurer;
into any of its affairs, or, with like intent, willfully omitting to make a true entry of any material fact pertaining to the business of such insurer in any book, report or statement of such insurer;
Issuing or delivering or permitting agents, officers, or employees to issue or deliver agency company stock or other capital stock, or benefit certificates or shares in any common-law corporation, or securities orENGR. any special or advisory board contracts or other contracts of any kind promising returns and profits as an inducement to insurance;
H.
B.
NO.
2933 Page 21 or any special or advisory board contracts or other contracts of any kind promising returns and profits as an inducement to insurance;
HB2933 HFLR Page 21 BOLD FACE denotes Committee Amendments.
This paragraph shallENGR. not apply as to any premium rate in effect pursuant to Article 9 of the Oklahoma Insurance Code;
H.
B.
NO.
2933 Page 22 shall not apply as to any premium rate in effect pursuant to Article 9 of the Oklahoma Insurance Code;
except in accordance with an applicable rate filing, rating plan or rating system filed with and approved by the HB2933Insurance HFLRCommissioner; Page 22 BOLD FACE denotes Committee Amendments.
Insuranceor Commissioner;giving or selling or purchasing or offering to give, sell, or purchase as inducement to such insurance, or in connection therewith, any stocks, bonds or other securities of any company, or any dividends or profits accrued thereon, or anything of value whatsoever not specified in the contract or receiving or accepting as inducement to contracts of insurance, any rebate of ENGR.
orH. giving or selling or purchasing or offering to give, sell, or purchase as inducement to such insurance, or in connection therewith, any stocks, bonds or other securities of any company, or any dividends or profits accrued thereon, or anything of value whatsoever not specified in the contract or receiving or accepting as inducement to contracts of insurance, any rebate of premium payable on the contract, or any special favor or advantage in the dividends or other benefit to accrue thereon, or any valuable consideration or inducement not specified in the contract.
B.
NO.
2933 Page 23 premium payable on the contract, or any special favor or advantage in the dividends or other benefit to accrue thereon, or any valuable consideration or inducement not specified in the contract.
(1) in the case of any contract of life insurance or life annuity, paying bonuses to policyholders or otherwise abating their premiums in whole or in part out of surplus accumulated from nonparticipating insurance, provided that any such bonuses or abatement of premiums shall be fair and equitable to policyholders and for the HB2933best HFLRinterest Pageof 23the BOLDcompany FACEand denotesits Committeepolicyholders, Amendments.(2) in the case of life or accident and health insurance policies issued on the industrial debit or weekly premium plan, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the insurer in an amount which ENGR.
bestH. interest of the company and its policyholders, (2) in the case of life or accident and health insurance policies issued on the industrial debit or weekly premium plan, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the insurer in an amount which fairly represents the saving in collection expense, (3) making a readjustment of the rate of premium for a policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for such policy year, (4) in the case of life insurance companies, allowing its bona fide employees to receive a commission on the premiums paid by them on policies on their own lives, (5) issuing life or accident and health policies on a salary saving or payroll deduction plan at a reduced rate commensurate with the savings made by the use of such plan, and HB2933 HFLR Page 24 BOLD FACE denotes Committee Amendments.
(6)B. paying commissions or other compensation to duly licensed agents or brokers, or allowing or returning to participating policyholders, members or subscribers, dividends, savings or unabsorbed premium deposits.
NO.
2933 Page 24 fairly represents the saving in collection expense, (3) making a readjustment of the rate of premium for a policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for such policy year, (4) in the case of life insurance companies, allowing its bona fide employees to receive a commission on the premiums paid by them on policies on their own lives, (5) issuing life or accident and health policies on a salary saving or payroll deduction plan at a reduced rate commensurate with the savings made by the use of such plan, and (6) paying commissions or other compensation to duly licensed agents or brokers, or allowing or returning to participating policyholders, members or subscribers, dividends, savings or unabsorbed premium deposits.
9.ENGR.
H.
B.
NO.
2933 Page 25 9.
No insurer, agent, broker, solicitor, or other person shall, as an inducement to insurance or in connection with any insurance transaction, provide in any policy for or offer, sell, buy, or offer or promise to buy, sell, give, promise, or allow HB2933to HFLRthe Pageinsured 25or BOLDprospective FACEinsured denotesor Committeeto Amendments.any other person in his or her behalf in any manner whatsoever:
to(a) theany insuredemployment, (b) any shares of stock or prospectiveother insuredsecurities issued or toat any othertime personto inbe hisissued or herany behalfinterest intherein anyor mannerrights whatsoever:thereto, ENGR.
(a)H. any employment, (b) any shares of stock or other securities issued or at any time to be issued or any interest therein or rights thereto, (c) any advisory board contract, or any similar contract, agreement or understanding, offering, providing for, or promising any special profits, (d) any prizes, goods, wares, merchandise, or tangible property of an aggregate value in excess of One Hundred Dollars ($100.00), or (e) any special favor, advantage or other benefit in the payment, method of payment or credit for payment of the premium through the use of credit cards, credit card facilities, credit card lists, or wholesale or retail credit accounts of another person.
B.
NO.
2933 Page 26 (c) any advisory board contract, or any similar contract, agreement or understanding, offering, providing for, or promising any special profits, (d) any prizes, goods, wares, merchandise, or tangible property of an aggregate value in excess of One Hundred Dollars ($100.00), or (e) any special favor, advantage or other benefit in the payment, method of payment or credit for payment of the premium through the use of credit cards, credit card facilities, credit card lists, or wholesale or retail credit accounts of another person.
No insurer or agent thereof shall hypothecate, sell, or dispose of a promissory HB2933note HFLRreceived Pagein 26payment BOLDof FACEany denotespart Committeeof Amendments.a premium on a policy of insurance applied for prior to the delivery of the policy;
note received in payment of any part of a premium on a policy of insurance applied for prior to the delivery of the policy;
Any insurance agent, examining physician, or other person who knowingly or willfully makes a false or fraudulent statement or representation in or relative to an application for insurance, or who makes any such statementENGR. to obtain a fee, commission, money, or benefit, shall be guilty of a misdemeanor;
H.
B.
NO.
2933 Page 27 statement to obtain a fee, commission, money, or benefit, shall be guilty of a misdemeanor;
Nothing in this paragraph shall be interpreted to prohibit the reference to or use of the name of a financial institution made HB2933pursuant HFLRto Pagea 27contractual BOLDagreement FACEbetween denotesthe Committeeinsurer Amendments.and the financial institution;
pursuant to a contractual agreement between the insurer and the financial institution;
No insurer or prepaid vision plan organization as defined in Section 1 6972 of this act title which offers multiple prepaid vision plans may require as a condition of participation in any one prepaid vision plan that a vision care provider participate in any ofENGR. the other prepaid vision plans offered by the insurer or prepaid vision plan organization;
H.
B.
NO.
2933 Page 28 of the other prepaid vision plans offered by the insurer or prepaid vision plan organization;
The powers vested in the Commissioner by this article shall be additional to any other powers to enforce penalties, fines or forfeitures authorized by law with respect to the methods, acts and practices hereby declared to be unfair or deceptive violations of Titlethis 36title. of the Oklahoma Statutes.
Such files shall contain all notes and work papers pertaining to a claim in such detail that pertinent events and the HB2933dates HFLRof Pagesuch 28events BOLDcan FACEbe denotesreconstructed. Committee Amendments.
dates of such events can be reconstructed.
ENGR.
H.
NO.
2933 Page 29 B.
An extension of fifteen (15) days shall be granted if an inquiry is made by written request.
HB2933 HFLR Page 29 BOLD FACE denotes Committee Amendments.
A.ENGR.
H.
B.
NO.
2933 Page 30 A.
HB2933 HFLR Page 30 BOLD FACE denotes Committee Amendments.
2.ENGR.
H.
B.
NO.
2933 Page 31 2.
If a written settlement is reached and HB2933the HFLRpolicyholder Pageis 31not BOLDrepresented FACEby denotesan Committeeattorney, Amendments.the policyholder has three (3) business days within which the policyholder may ENGR.
theH. policyholder is not represented by an attorney, the policyholder has three (3) business days within which the policyholder may rescind the settlement unless the policyholder has cashed or deposited any check, draft, or other payment made to the policyholder as a result of the settlement.
B.
NO.
2933 Page 32 rescind the settlement unless the policyholder has cashed or deposited any check, draft, or other payment made to the policyholder as a result of the settlement.
Undue hardship will be demonstrated when holding the conference on a non- HB2933expedited HFLRbasis Pagewould 32interfere BOLDwith FACEor denotescontradict Committeethe Amendments.treatment of a severe illness or injury, substantially impair a party's ability ENGR.
expedited basis would interfere with or contradict the treatment of a severe illness or injury, substantially impair a party's ability to assert their position at the conference, result in significant financial hardship, or other reasonably justified grounds.
B.
NO.
2933 Page 33 to assert their position at the conference, result in significant financial hardship, or other reasonably justified grounds.
H.
HB2933 HFLR Page 33 BOLD FACE denotes Committee Amendments.
Every property and casualty insurer, within thirty (30) fourteen (14) days after receiving notification of a claim, shall acknowledge the receipt of such notification unless paymentENGR. is made within such period of time.
H.
B.
NO.
2933 Page 34 payment is made within such period of time.
The acknowledgment shall include the Homeowner Claims Bill of Rights set forth in Section 914 of this act.
Compliance with this paragraph subsection within thirty (30) fourteen (14) days after notification of a claim shall constitute compliance with subsection A of this section.
This subsection does not require that an insurer create a detailed estimate of the amount of the loss if such HB2933estimate HFLRis Pagenot 34reasonably BOLDnecessary FACEas denotespart Committeeof Amendments.the claim investigation.
estimateENGR. is not reasonably necessary as part of the claim investigation.
SECTIONH. 14.
B.
NO.
2933 Page 35 SECTION 14.
An insurer issuing a personal lines residential property insurance policy in this state must provide a Homeowner Claims Bill of Rights to apolicyholders policyholderon withinthe fourteeninsurer's (14)company dayswebsite. after receiving an initial communication with respect to a claim.
HOMEOWNER CLAIMS BILL OF RIGHTS HB2933This HFLRBill Pageof 35Rights BOLDis FACEspecific denotesto Committeethe Amendments.claims process and does not represent all of your rights under Oklahoma law regarding your policy.
This Billdocument of Rights is specific to the claims process and does not representprohibit allan ofinsurer yourfrom rightsexercising underany Oklahomaright lawto regardingrepair yourdamaged policy.ENGR.
ThisH. document does not prohibit an insurer from exercising any right to repair damaged property in compliance with the terms of an applicable policy.
B.
NO.
2933 Page 36 property in compliance with the terms of an applicable policy.
HB2933 HFLR Page 36 BOLD FACE denotes Committee Amendments.
a.ENGR.
H.
B.
NO.
2933 Page 37 a.
HB2933 HFLR Page 37 BOLD FACE denotes Committee Amendments.
5.ENGR.
H.
B.
NO.
2933 Page 38 5.
HB2933 HFLR Page 38 BOLD FACE denotes Committee Amendments.
No property and casualty insurer shall denyENGR. a claim because of a specific policy provision, condition, or exclusion unless reference to such provision, condition, or exclusion is included in the denial.
H.
B.
NO.
2933 Page 39 deny a claim because of a specific policy provision, condition, or exclusion unless reference to such provision, condition, or exclusion is included in the denial.
HB2933 HFLR Page 39 BOLD FACE denotes Committee Amendments.
If such investigation cannot be completed, or if a property and casualty insurer needs more time to determine whether a claim should be accepted or denied, it shall so notifyENGR. the claimant in writing within sixty (60) days after receipt of the proofs of loss, giving reasons why more time is needed.
H.
B.
NO.
2933 Page 40 notify the claimant in writing within sixty (60) days after receipt of the proofs of loss, giving reasons why more time is needed.
If the insurer's claim payment is less than specified in any insurer's detailed estimate pursuant to subsection C of Section 1250.6 of this HB2933title HFLRof Pagethe 40amount BOLDof FACEthe denotesloss, Committeethe Amendments.insurer must provide a reasonable explanation in writing of the difference to the policyholder.
titleAny untimely payment of thean amountinitial ofor thesupplemental loss,claim theor insurerportion mustof providesuch aclaim reasonableshall explanationbear insimple writinginterest ofat the differencerate toof thefive policyholder.percent (5%) per year.
Any untimely payment of an initial or supplemental claim or portion of such claim shall bear simple interest at the rate of ten percent (10%) per year.
The provisions ofENGR. this subsection may not be waived, voided, or nullified by the terms of the insurance policy.
H.
B.
NO.
2933 Page 41 of this subsection may not be waived, voided, or nullified by the terms of the insurance policy.
Such notice shall be given to first- HB2933party HFLRclaimants Pageand 41third-party BOLDclaimants FACEone denotes(1) Committeeyear Amendments.after the date of the loss.
party claimants and third-party claimants one (1) year after the date of the loss.
No insurer shall make statements which indicate that the rights of a third-party claimant may be impaired if a form or release is not completed within a given period of time unless the statementENGR. is given for the purpose of notifying a third-party claimant of the provision of a statute of limitations.
H.
B.
NO.
2933 Page 42 statement is given for the purpose of notifying a third-party claimant of the provision of a statute of limitations.
The insurer's evaluation of an appeal pursuant to this subsection shall include an in-person inspection of the loss.
HB2933 HFLR Page 42 BOLD FACE denotes Committee Amendments.
In addition to or in lieu of any fine amount, the Insurance Commissioner may refuse to renew, suspend, put on probation, or revoke an insurer's certificate of authority, license, orENGR. any other registration or similar approval to conduct business in Oklahoma issued by the Insurance Commissioner.
H.
B.
NO.
2933 Page 43 or any other registration or similar approval to conduct business in Oklahoma issued by the Insurance Commissioner.
No insurer shall cancel, refuse to renew or otherwise terminate, or increase the premium of a homeowner's insurance policy or any other personal residential insurance coverage, which has been in effect more than forty-five (45) days, HB2933solely HFLRbecause Pagethe 43insured BOLDfiled FACEa denotesfirst Committeeclaim Amendments.against the policy or submitted any number of inquiries on the policy.
solely because the insured filed a first claim against the policy or submitted any number of inquiries on the policy.
No insurer shall cancel, refuse to renew or otherwise terminate, or increase the premium of a homeowner's insurance policy or any other personal residential insurance coverage, including, but not limited to,to solely, flood insurance, because of a claim that occurred more than five (5) years before the effective date of the policy or renewal.renewal for the same property regardless of prior ENGR.
NoH. insurer shall refuse to underwrite risk for a homeowner's insurance policy or any other personal residential insurance coverage, including, but not limited to, flood insurance, because of a claim that occurred more than five (5) years before the date of application.
B.
NO.
2933 Page 44 ownership.
No insurer shall refuse to underwrite risk for a homeowner's insurance policy or any other personal residential insurance coverage, including, but not limited to solely, flood insurance, because of a claim that occurred more than five (5) years before the date of application.
No insurer shall cancel, refuse to renew or otherwise terminate, or increase the premium of a homeowner's insurance policy or any other personal residential insurance coverage, including, but not limited to, flood insurance, based on the claims history of an insured for weather-related claims, unless there were three or more weather-related claims within the preceding three-year period.
This subsection shall not apply to claims for weather-related events for which the insurer provided written notice to the insured for reasonable or customary repairs or replacement specific to the insured's premises or dwelling which the insured failed to make and which, if made, would have prevented the loss for which a claim was made.
HB2933 HFLR Page 44 BOLD FACE denotes Committee Amendments.
D.
or 7.ENGR.
H.
B.
NO.
2933 Page 45 7.
E.D.
An insurer shall give to the named insured at the mailing address shown on a homeowner's policy, a written renewal notice that shall include new premium, new deductible, new limits or coverage at HB2933least HFLRthirty Page(30) 45days BOLDprior FACEto denotesthe Committeeexpiration Amendments.date of the policy.
least thirty (30) days prior to the expiration date of the policy.
F.E.
The notice of cancellation shall provide the date of the cancellation of the policy and the insurer shallENGR. reimburse the insured for any premiums paid for coverage beyond the date of cancellation of the policy.
H.
B.
NO.
2933 Page 46 shall reimburse the insured for any premiums paid for coverage beyond the date of cancellation of the policy.
F.
An insurer canceling a policy under subsection C E of this section shall not be liable for claims arising after the date of cancellation.
An insurer canceling a policy under subsection C F of this section shall not be liable for claims arising after the date of cancellation.
HB2933 HFLR Page 46 BOLD FACE denotes Committee Amendments.
H.
I.H.
An insurer shall not reduce coverage, refuse to issue,issue or refuse to renew a homeowner's policy insuring a residential structure with a roof that is less than fifteen (15) years old solely because of the age of the roof.
J.ENGR.
H.
B.
NO.
2933 Page 47 I.
HB2933 HFLR Page 47 BOLD FACE denotes Committee Amendments.
3.ENGR.
ForH. purposes of this section, a roof's age shall be calculated using the last date on which one hundred percent (100%) of the roof's surface area was built or replaced in accordance with the building code in effect at that time or the initial date of a partial roof replacement with subsequent partial roof builds or HB2933 HFLR Page 48 BOLD FACE denotes Committee Amendments.
replacementsB. that result in one hundred percent (100%) of the roof's surface area being built or replaced.
K.NO.
For2933 purposesPage of48 subsection3. A, the following definitions shall apply:
For purposes of this section, a roof's age shall be calculated using the last date on which one hundred percent (100%) of the roof's surface area was built or replaced in accordance with the building code in effect at that time or the initial date of a partial roof replacement with subsequent partial roof builds or replacements that result in one hundred percent (100%) of the roof's surface area being built or replaced.
J.
For purposes of subsection A of this section, the following definitions shall apply:
"Claim" means a contact with an insurer by an insured or thirtythird party, as an assignee of the policy benefits, for the purpose of seeking payment.
coverage is denied by the insurer,insurer; and 2.
and 2.
This act shall become effective NovemberJuly 1, 2026.2027.
COMMITTEEENGR. REPORT BY:
COMMITTEEH. ON JUDICIARY AND PUBLIC SAFETY OVERSIGHT, dated 02/26/2026 - DO PASS, As Amended.
HB2933B. HFLR Page 49 BOLD FACE denotes Committee Amendments.
NO.
2933 Page 49 Passed the House of Representatives the 24th day of March, 2026.
3 Presiding Officer of the House of Representatives 6 Passed the Senate the ___ day of __________, 2026.
8 Presiding Officer of the Senate ENGR.
H.
B.
NO.
2933 Page 50
Show all 364 changed rows (324 more)
View plain text versions (8)
- Engrossed View text Current pdf
- Floor (House) View text pdf
- Floor (Senate) View text pdf
- Policy Committee Recommendation View text pdf
- Committee Substitute House Committee Substitute pdf
- Committee Substitute Senate Committee Substitute for House Bill pdf
- Committee Substitute Proposed Policy Committee Substitute 1 pdf
- Introduced View text pdf
AI-generated reading aid from the bill's amendatory text — verify against the official bill.
The bill modifies various sections of insurance law, increasing penalties, mandating reporting requirements, and clarifying insurer practices regarding policy cancellations and renewals.
-
36 O.S. Supp. 2025, Section 322
Five Thousand Dollars ($5,000.00)→ Ten Thousand Dollars ($10,000.00)Increases the maximum penalty for violations from $5,000 to $10,000.
-
36 O.S. Supp. 2025, Section 908
Five Thousand Dollars ($5,000.00)→ Ten Thousand Dollars ($10,000.00)Increases the maximum penalty for violations from $5,000 to $10,000.
-
By March 31, 2028, and on a quarterly basis thereafter, each insurer authorized to write personal and commercial property insurance in this state shall file with the Oklahoma Insurance Department a supplemental report with information regarding personal and commercial residential property insurance policies in this state.
Mandates insurers to file quarterly reports on residential property insurance policies.
-
The Insurance Commissioner may use supplemental quarterly reports to assist in determining whether a market conduct examination or investigation of an insurer should be conducted.
Enables the Insurance Commissioner to use the reports for regulatory examinations.
-
For any repeated violation of this section, the Insurance Commissioner may, after notice and opportunity for a hearing, subject an insurer to a civil penalty of up to One Thousand Dollars ($1,000.00) for each occurrence.
Establishes a new civil penalty for repeated violations of the new reporting requirement.
-
36 O.S. 2021, Section 942
traffic records not to be used by insurers in modifying rates→ traffic records not to be used by insurers in modifying rates or determining refusal or renewal of a policyClarifies that traffic records cannot affect policy renewal decisions.
-
36 O.S. 2021, Section 943
prohibiting insurers from canceling, refusing to renew or terminate→ prohibiting insurers from canceling, refusing to renew or terminate, or increasing policy premiums based on first claim against policyStrengthens protections for policyholders regarding cancellation after a first claim.
Amendments
4 amendments- 1 Floor Amendment by TEDFORD Show changes
- 2 Floor Amendment by FUGATE (UNTIMELY FILED) Show changes
- 3 Floor Amendment by FUGATE (UNTIMELY FILED) Show changes
- Committee Amendment Show changes
Click Show changes on an amendment above to see how it modifies the bill.
Action History
-
Placed on General Order
-
Title stricken
-
Reported Do Pass, amended by committee substitute Business and Insurance committee; CR filed
-
Coauthored by Representative Adams
-
Second Reading referred to Business and Insurance
-
First Reading
-
Engrossed, signed, to Senate
-
Referred for engrossment
-
Third Reading, Measure passed: Ayes: 70 Nays: 22
-
Amended by floor substitute
-
Coauthored by Representative(s) Hill
-
General Order
-
CR; Do Pass, amended by committee substitute Judiciary and Public Safety Oversight Committee
-
Authored by Senator Reinhardt (principal Senate author)
-
Policy recommendation to the Judiciary and Public Safety Oversight committee; Do Pass, amended by committee substitute Civil Judiciary
-
Referred to Civil Judiciary
-
Second Reading referred to Judiciary and Public Safety Oversight
-
Authored by Representative Tedford
-
First Reading
Sponsors
- Mark Tedford · Primary
- Aaron Reinhardt · Primary
Sponsorship breakdown
Export CSV (upgrade) →2 sponsors · 0 co-sponsors · 149 not signed on · 21 voted No
Sponsors (2)
- Mark Tedford Republican
- Aaron Reinhardt Republican
Co-sponsors (0)
None.
Not signed on (149)
149 members have not signed on to this bill.
Show all 149 →"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 7 | 0 | 0 | 0 |
| Democrat | 2 | 0 | 0 | 0 |
| Unaffiliated | 0 | 0 | 0 | 2 |
| Total | 9 | 0 | 0 | 2 |
| % of votes cast | 82% | 0% | 0% | 18% |
How each member voted (11)
| Member | Party | Vote |
|---|---|---|
| AMD HB2933 PCS - ADOPTED (Request No: 3989) | — | Not Voting |
| STRIKE THE TITLE - ADOPTED | — | Not Voting |
| Mark Mann | Democrat | Yea |
| Michael Brooks | Democrat | Yea |
| Aaron Reinhardt | Republican | Yea |
| Bill Coleman | Republican | Yea |
| Brian Guthrie | Republican | Yea |
| District 24 | Republican | Yea |
| Jerry Alvord | Republican | Yea |
| Lisa Standridge | Republican | Yea |
| Randy Grellner | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 62 | 11 | 0 | 6 |
| Democrat | 6 | 10 | 0 | 1 |
| Unaffiliated | 2 | 1 | 0 | 1 |
| Total | 70 | 22 | 0 | 8 |
| % of votes cast | 70% | 22% | 0% | 8% |
How each member voted (100)
| Member | Party | Vote |
|---|---|---|
| Mr. Speaker | — | Yea |
| Alonso-Sandoval | — | Nay |
| VACANCY: | — | Not Voting |
| Crosswhite Hader | — | Yea |
| Aletia Timmons | Democrat | Nay |
| Amanda Clinton | Democrat | Yea |
| Andy Fugate | Democrat | Nay |
| Annie Menz | Democrat | Nay |
| Cyndi Munson | Democrat | Nay |
| Ellen Pogemiller | Democrat | Not Voting |
| Ellyn Hefner | Democrat | Yea |
| Jacob Rosecrants | Democrat | Yea |
| Jared Deck | Democrat | Nay |
| John Waldron | Democrat | Nay |
| Melissa Provenzano | Democrat | Nay |
| Meloyde Blancett | Democrat | Nay |
| Michelle McCane | Democrat | Yea |
| Mickey Dollens | Democrat | Nay |
| Ronald Stewart | Democrat | Yea |
| Suzanne Schreiber | Democrat | Yea |
| Trish Ranson | Democrat | Nay |
| Anthony Moore | Republican | Yea |
| Bob Ed Culver | Republican | Yea |
| Brad Boles | Republican | Yea |
| Brian Hill | Republican | Yea |
| Carl Newton | Republican | Yea |
| Chad Caldwell | Republican | Yea |
| Chris Banning | Republican | Yea |
| Chris Kannady | Republican | Not Voting |
| Chris Sneed | Republican | Nay |
| Clay Staires | Republican | Yea |
| Cody Maynard | Republican | Yea |
| Collin Duel | Republican | Yea |
| Cynthia Roe | Republican | Yea |
| Daniel Pae | Republican | Yea |
| Danny Sterling | Republican | Yea |
| Danny Williams | Republican | Yea |
| David Hardin | Republican | Yea |
| David Smith | Republican | Yea |
| Dell Kerbs | Republican | Yea |
| Derrick Hildebrant | Republican | Nay |
| Dick Lowe | Republican | Yea |
| Dillon Travis | Republican | Yea |
| Eddy Dempsey | Republican | Not Voting |
| Emily Gise | Republican | Yea |
| Eric Roberts | Republican | Yea |
| Erick Harris | Republican | Yea |
| Gabe Woolley | Republican | Nay |
| Gerrid Kendrix | Republican | Yea |
| Jason Blair | Republican | Yea |
| Jay Steagall | Republican | Yea |
| Jim Grego | Republican | Yea |
| Jim Olsen | Republican | Yea |
| Jim Shaw | Republican | Nay |
| John George | Republican | Yea |
| John Kane | Republican | Yea |
| John Pfeiffer | Republican | Not Voting |
| Jonathan Wilk | Republican | Yea |
| Josh Cantrell | Republican | Yea |
| Josh West | Republican | Yea |
| Judd Strom | Republican | Not Voting |
| Justin Humphrey | Republican | Not Voting |
| Ken Luttrell | Republican | Nay |
| Kenton Patzkowsky | Republican | Yea |
| Kevin Norwood | Republican | Yea |
| Kevin West | Republican | Yea |
| Marilyn Stark | Republican | Yea |
| Mark Chapman | Republican | Yea |
| Mark Lawson | Republican | Not Voting |
| Mark Lepak | Republican | Yea |
| Mark Tedford | Republican | Yea |
| Max Wolfley | Republican | Yea |
| Mike Dobrinski | Republican | Yea |
| Mike Kelley | Republican | Yea |
| Mike Lay | Republican | Yea |
| Mike Osburn | Republican | Yea |
| Molly Jenkins | Republican | Nay |
| Neil Hays | Republican | Yea |
| Nick Archer | Republican | Yea |
| Nicole Miller | Republican | Yea |
| Preston Stinson | Republican | Nay |
| Rande Worthen | Republican | Yea |
| Rick West | Republican | Nay |
| Rob Hall | Republican | Yea |
| Robert Manger | Republican | Yea |
| Ronny Johns | Republican | Yea |
| Ross Ford | Republican | Yea |
| Rusty Cornwell | Republican | Yea |
| Ryan Eaves | Republican | Nay |
| Scott Fetgatter | Republican | Yea |
| Stacy Jo Adams | Republican | Yea |
| Stan May | Republican | Yea |
| Steve Bashore | Republican | Yea |
| T.J. Marti | Republican | Nay |
| Tammy Townley | Republican | Yea |
| Tammy West | Republican | Yea |
| Tim Turner | Republican | Yea |
| Tom Gann | Republican | Nay |
| Toni Hasenbeck | Republican | Yea |
| Trey Caldwell | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 11 | 0 | 0 | 0 |
| Democrat | 2 | 0 | 0 | 0 |
| Total | 13 | 0 | 0 | 0 |
| % of votes cast | 100% | 0% | 0% | 0% |
How each member voted (13)
| Member | Party | Vote |
|---|---|---|
| Jacob Rosecrants | Democrat | Yea |
| Suzanne Schreiber | Democrat | Yea |
| Bob Ed Culver | Republican | Yea |
| Collin Duel | Republican | Yea |
| Danny Sterling | Republican | Yea |
| David Hardin | Republican | Yea |
| Erick Harris | Republican | Yea |
| Jack Stewart | Republican | Yea |
| John Kane | Republican | Yea |
| Justin Humphrey | Republican | Yea |
| Rande Worthen | Republican | Yea |
| Robert Manger | Republican | Yea |
| Ross Ford | Republican | Yea |
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Republican | 6 | 0 | 0 | 0 |
| Democrat | 2 | 0 | 0 | 0 |
| Total | 8 | 0 | 0 | 0 |
| % of votes cast | 100% | 0% | 0% | 0% |
How each member voted (8)
| Member | Party | Vote |
|---|---|---|
| Jared Deck | Democrat | Yea |
| Suzanne Schreiber | Democrat | Yea |
| Bob Ed Culver | Republican | Yea |
| Chris Sneed | Republican | Yea |
| Collin Duel | Republican | Yea |
| Mike Osburn | Republican | Yea |
| Preston Stinson | Republican | Yea |
| Tammy West | Republican | Yea |
Subjects
Frequently asked questions
- Who sponsors HB 2933?
- HB 2933 is sponsored by Mark Tedford (Republican) and Aaron Reinhardt (Republican).
- What is the current status of HB 2933?
- This bill has passed the House. Introduced February 02, 2026. It now moves to the second chamber.
- Where can I track HB 2933?
- Track HB 2933 free on One Click Politics — get push/email alerts when it moves.
Make your voice heard on HB 2933
Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.
Stay ahead of HB 2933
Last checked for changes 3 months ago · updated continuously
One Click Politics tracks every bill in Congress and all 50 states.
Track this bill →