WA HB2277

Insurers using wildfire risk scores for property insurance must disclose to applicants and policyholders the current score, score range, model creator, creation date, and key factors affecting the score within 15 days of coverage decisions or with renewal/cancellation notices

Policyholders who complete property-specific mitigation (defensible space, building hardening) or document community-level mitigation must receive a revised wildfire risk score within 30 calendar days

Insurers must allow appeals of inaccurate wildfire risk scores, acknowledge appeals within 10 calendar days, and provide written decisions within 30 calendar days

Wildfire risk models and catastrophe models must be filed with the Insurance Commissioner as part of rate filings, including actuarial justification for rating factors and mitigation discounts; filed model information is treated as confidential trade secrets

Insurers must post on their public websites information about available premium discounts for mitigation actions and the process for appealing wildfire risk scores