WA SB5928

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 demonstrate community-level mitigation must receive a revised wildfire risk score within 30 calendar days of submitting documentation

Insurers must file wildfire risk models, catastrophe models, and scoring methods with the Insurance Commissioner as part of rate filings, including actuarial justification for rating factors and mitigation discounts; this information is treated as confidential trade secrets

Wildfire risk models must incorporate property-specific and community-level mitigation factors, or insurers must provide discounts to policyholders who demonstrate such mitigation actions have been taken

Insurers must post on their public websites information about available premium discounts for mitigation actions and the process for appealing wildfire risk scores, including specific actions that qualify and associated discount amounts