HI SB802

Requires property insurers to provide written notice to policyholders at least a specified number of days before any policy cancellation, non-renewal, or premium increase of 10% or more, including detailed explanations of contributing factors such as risk factors, claims history, market conditions, and premium calculation breakdowns

Mandates insurers file annual rate schedules, underwriting criteria, and reports with the Insurance Commissioner detailing average premium increases, reasons for increases, and total policyholder complaints

Establishes a public reporting and dispute resolution program including a consumer hotline, online complaint system, and formal appeals process where the Commissioner must acknowledge appeals within 5 business days and issue determinations within 30 calendar days

Requires insurers to provide premium discounts or credits to policyholders who implement disaster risk mitigation measures such as wind-resistant roofing, flood-proofing systems, or fire suppression systems

Takes effect July 1, 2050, and does not impair existing contracts or affect rights, duties, and penalties that occurred before the effective date