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HB5619

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INS-FIRE & EXTENDED COVERAGE

What this bill does

Amends the Illinois Insurance Code. Creates the Rates for Fire and Extended Coverage Insurance Article. Provides that the Article applies to policies of fire and extended coverage insurance and establishes policies that are exempt from the Article. Provides that rates shall not be excessive, inadequate, or unfairly discriminatory, as specified. Sets forth provisions concerning filing requirements for insurers in competitive and noncompetitive markets and the monitoring duties of the Director of Insurance concerning market competition and the availability of insurance for the policies of insurance to which the Article applies. Provides that a competitive market is presumed to exist for a line of insurance unless the Director, after a hearing, issues an order stating that a reasonable degree of competition does not exist in the market. Provides that the ruling of the Director regarding market competition is subject to judicial review under the Administrative Review Law. Effective January 1, 2028.

Sponsor: Sharon Chung Chamber: House Introduced: 2026-02-06

Stuck

P(Advance)

23.9%

Chance it ever reaches a milestone (committee, floor, etc.). Not “next step.”

P(Law)

0.0%

Chance it becomes law given where it is now (stage, momentum).

Forecast

0.7%

Low P(law) at intro — sponsor & topic only; no progress or delay.

Confidence: 76% FORECAST

Calculating prediction drivers...

Pipeline Progress

Current stage: In Committee · Last action 55 days ago · PENDING

How does a bill become law in Illinois?

Introduction of Bill
A member of the Senate or the House introduces a bill, which is assigned a unique identifying number (e.g., "H.B. ___" for House bills and "S.B. ___" for Senate bills). If not enacted, it must be reintroduced in the next General Assembly with a new number.
Committee Work — Hearings
The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.
Committee Work — Markup, Amendments, Report
The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.
Floor Debate
The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.
Passage and Consideration in Second Chamber
If the bill passes in the first chamber, it moves to the second chamber for a similar review process. If both chambers approve, it goes to the governor.
Gubernatorial Action
The governor can sign the bill into law, veto it, or take no action (resulting in an automatic law after 60 days). The type of veto can be total or amendatory. Once signed, the bill becomes a Public Act and is assigned a Public Act number.

Hearings

This bill has not been scheduled for a committee hearing.

Action History

3 actions recorded. Last action: 2026-02-13 — Referred toRules Committee. Each action's meaning and outcome signal are classified automatically.

2026-02-06 Introduction & Filing

Filed with the Clerk byRep. Sharon Chung House Rule 6(b)

Bill officially submitted to the House Clerk during the session.

2026-02-13 Introduction & Filing

First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38

Formal introduction — title read into the official record. Required procedural step; bill now exists in the system.

2026-02-13 Committee Assignment

Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a)

Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.

All actions (table)

Date	Chamber	Action	Category	Signal
2026-02-06	House	Filed with the Clerk byRep. Sharon Chung House Rule 6(b)	Introduction & Filing	—
2026-02-13	House	First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38	Introduction & Filing	—
2026-02-13	House	Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a)	Committee Assignment	—