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Pennsylvania House of Representatives
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House Co-Sponsorship Memoranda

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House of Representatives
Session of 2021 - 2022 Regular Session


Posted: March 29, 2022 01:01 PM
From: Representative Nancy Guenst and Rep. Benjamin V. Sanchez
To: All House members
Subject: Insurance Claims During Natural Disasters
In early September 2021, Hurricane Ida ripped through Pennsylvania and impacted the lives of thousands while causing millions of dollars’ worth of damages. Residents of Upper Dublin and across southeastern Pennsylvania witnessed their homes and livelihoods damaged, a dreadful scene more and more people are forced to experience as natural disasters become ever more frequent.
In the wake of natural disasters, folks look to insurance companies for relief; after months and years of paying into insurance policies, a person should be able to expect adequate coverage to help with the financial burdens that stem from damages to their homes caused by floods, tornadoes, and hurricanes. Unfortunately, that is not always the case. Increasingly, insurance companies offer coverage that is woefully inadequate to cover damages while stalling the process at every turn.
Our insurance laws currently enable companies to drag out the process for as long as they need to while our residents await the payout to rebuild their lives. It is for this reason that we plan to introduce legislation that bars insurance companies from doing just that with natural disaster claims. Additionally, this legislation will require insurance companies to notify an insured individual of all federal disaster funds available to them during these times of crisis.
By prohibiting insurance companies from dragging out the claims process, we enable our residents to receive the coverage they need to repair their homes and return to normalcy. By requiring companies to highlight resources, we bring visibility to financial assistance that otherwise would go unnoticed during a stressful and chaotic time.
Please consider co-sponsoring this much needed legislation and let us work together to fix this serious issue.

Introduced as HB2922