Insurance; unfair claim settlement practices, modification of loss estimate.

Insurance; unfair claim settlement practices; modification of loss estimate. Prohibits an insurer, when reducing a loss estimate of $3,000 or more, from altering or amending an insurance adjuster's estimate of damages, photographic report data, or narrative report without meeting certain requirements including providing the policyholder with a detailed explanation as to why any change that has the effect of reducing the loss estimate was made.

Source: OpenStates · fetched April 13, 2026

• HomeownerdirectModerate impactHigh certainty

  Requires insurers to provide detailed explanations when reducing loss estimates of $3,000 or more, protecting homeowners from arbitrary claim reductions.

  “Prohibits an insurer, when reducing a loss estimate of $3,000 or more, from altering or amending an insurance adjuster's estimate of damages, photographic report data, or narrative report without meeting certain requirements including providing the policyholder with a detailed explanation as to why any change that has the effect of reducing the loss estimate was made.”· Insurance; unfair claim settlement practices; modification of loss estimate.