HI SB2949

Establishes an Ombudsman's Office for Homeowners Insurance within the Department of Commerce and Consumer Affairs' Insurance Division, headed by an attorney with property and casualty insurance experience appointed by the director with governor approval.

Grants the ombudsman broad powers including subpoena authority, the ability to investigate complaints, conduct dispute intervention, issue advisory opinions, and impose fines starting at $250 for false submissions or non-compliance.

Creates a mandatory dispute resolution process where parties submit written requests detailing the nature of the dispute and proposed corrective action, with filing fees capped at $100; legal representation is not required.

Establishes complaints and enforcement officers who investigate disputes, interview parties, and issue decisions, with contested case hearings available before the ombudsman if parties disagree with initial decisions.

Creates an Ombudsman's Office for Homeowners Insurance Special Fund funded by fines and fees, with general fund appropriations for administrative startup costs; effective date set for July 1, 2050.