HI SCR24

Requests homeowners insurers to establish a loss-control program beginning January 1, 2025, to reduce fire-related risks and damage to insured properties in Hawaii

Requires insurers to grant premium discounts to applicants who implement fire mitigation measures including removing flammable materials and vegetation within specified perimeters, removing lava fire risks, and using fire-resistant materials in construction or renovation

Directs the Insurance Commissioner to adopt rules for the loss-control program, including requirements for determining whether properties were constructed or renovated with fire-resistant materials

References Hawaii's highest homeowner insurance markup rates (1996-2021) and the August 2023 Maui wildfires that devastated Lahaina, where many uninsured residents could not afford coverage due to high premiums

Cites the "Miracle House" in Lahaina that survived the wildfire through loss-control measures as an example of how such programs can protect properties and benefit both policyholders and insurers