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SB2964HIPassed 2026 Regular Session

Relating To Property Insurance.

Last status update Jul 14, 2026

What this measure contains

Requires homeowners insurance producers to notify policyholders that they may submit information regarding improvements made to the insured residential property, which shall then be submitted to the homeowners insurer. Requires homeowners insurers to reevaluate the replacement cost estimate based on the information submitted by a policyholder, and offer the policyholder the option to purchase additional coverage to cover the full amount of the replacement cost estimate. Establishes administrative penalties for violations. Effective 1/1/2027. (CD1)

Source summary of the imported measure. Amendments can change the wording; read a specific version for its complete provisions.

Read the latest imported text

Read the full bill at its source ↗
Source: legiscan· Loaded Oct 30, 2026· Snapshot export date not suppliedOriginal record ↗

Bill text and versions

Drafts can change as a measure moves through the Legislature. Check the version attached to a recorded vote.

How this measure moved

Legislative path

Each stage below is a recorded decision from the official measure history, attached to the draft it considered. A member's row follows their votes from the first draft to the latest, and a highlighted vote marks where it changed. Committee and conference votes list every member by name. Floor votes list only exceptions; members serving that day who aren't named are shown as ayes in a dashed outline.

  1. Introduced
  2. SD1by CPN
  3. HD1by CPC
  4. CD1by Conference

Decision stages

  1. Commerce and Consumer Protection (CPN) on the introduced draft: Passed, with amendments, reported as SD1

    5 aye · 0 no · 0 excused · Source roll call

  2. Senate third reading on SD1: Passed

    22 aye · 3 aye with reservations · 0 no · 0 excused

  3. House CPC committee on SD1: Passed, with amendments, reported as HD1

    8 aye · 1 aye with reservations · 0 no · 2 excused

  4. House second reading on HD1: Passed

    49 aye · 0 no · 1 excused

  5. House third reading on HD1: Passed

    51 aye · 0 no · 0 excused

  6. Senate conference managers on HD1: Passed, with amendments, reported as CD1

    3 aye · 0 no · 0 excused · Source roll call

  7. House conference managers on HD1: Passed, with amendments, reported as CD1

    3 aye · 0 no · 0 excused · Source roll call

  8. Senate final reading on CD1: Passed

    25 aye · 0 no · 0 excused

  9. House final reading on CD1: Passed

    51 aye · 0 no · 0 excused

Senate members along the path

Senate members' votes at each stage of SB2964
MemberCPN
Introduced		Third reading
SD1		Conference
HD1		Final reading
CD1		Change along the path
Brenton AwaSD-023AyeAyeAyeAye
Carol FukunagaSD-011AyeAyeAye
Lorraine InouyeSD-001Aye*AyeDropped reservations at Senate final reading (CD1)
Jarrett KeohokaloleSD-024AyeAyeAyeAye
Rachele Fernandez LamosaoSD-019AyeAyeAye
Angus McKelveySD-006AyeAyeAyeAye
Tim RichardsSD-004Aye*AyeDropped reservations at Senate final reading (CD1)
Joy San BuenaventuraSD-002Aye*AyeDropped reservations at Senate final reading (CD1)
17 more Senate members only counted as floor ayes
MemberCPN
Introduced		Third reading
SD1		Conference
HD1		Final reading
CD1		Change along the path
Stanley ChangSD-009AyeAye
Donovan CruzSD-017AyeAye
Lynn DecoiteSD-007AyeAye
Samantha DeCorteSD-022AyeAye
Brandon ElefanteSD-016AyeAye
Kurt FevellaSD-020AyeAye
Mike GabbardSD-021AyeAye
Troy HashimotoSD-005AyeAye
Les IharaSD-010AyeAye
Dru KanuhaSD-003AyeAye
Michelle KidaniSD-018AyeAye
Donna KimSD-014AyeAye
Ronald KouchiSD-008AyeAye
Chris LeeSD-025AyeAye
Sharon MoriwakiSD-012AyeAye
Karl RhoadsSD-013AyeAye
Glenn WakaiSD-015AyeAye

House members along the path

House members' votes at each stage of SB2964
MemberCPC
SD1		Second reading
HD1		Third reading
HD1		Conference
HD1		Final reading
CD1		Change along the path
Cory ChunHD-035AyeAyeAyeAye
Elle CochranHD-014ExcusedAyeAye
Tina GrandinettiHD-020AyeAyeAyeAyeAye
Linda IchiyamaHD-031ExcusedAyeAyeAye
Greggor IlaganHD-004AyeAyeAyeAye
Kim IwamotoHD-025Aye*AyeAyeAyeDropped reservations at House second reading (HD1)
Sam KongHD-033AyeAyeAyeAye
Nicole LowenHD-007ExcusedAyeAyeAye
Lisa MartenHD-051AyeAyeAyeAye
Scot MatayoshiHD-049AyeAyeAyeAyeAye
Elijah PierickHD-039AyeAyeAyeAyeAye
Adrian TamHD-024AyeAyeAyeAye
39 more House members only counted as floor ayes
MemberCPC
SD1		Second reading
HD1		Third reading
HD1		Conference
HD1		Final reading
CD1		Change along the path
David AlcosHD-041AyeAyeAye
Terez AmatoHD-011AyeAyeAye
Della au BelattiHD-026AyeAyeAye
Luke EvslinHD-016AyeAyeAye
Diamond GarciaHD-042AyeAyeAye
Andrew GarrettHD-022AyeAyeAye
Joe GedeonHD-018AyeAyeAye
Daisy HartsfieldHD-036AyeAyeAye
Mark HashemHD-019AyeAyeAye
Ikaika HusseyHD-029AyeAyeAye
Kirstin KahaloaHD-006AyeAyeAye
Jeanne KapelaHD-005AyeAyeAye
Sue Keohokapu-Lee LoyHD-002AyeAyeAye
Darius KilaHD-044AyeAyeAye
Lisa KitagawaHD-048AyeAyeAye
Matthias KuschHD-001AyeAyeAye
Trish La ChicaHD-037AyeAyeAye
Mike LeeHD-050AyeAyeAye
Lauren MatsumotoHD-038AyeAyeAye
Tyson MiyakeHD-010AyeAyeAye
Daynette MorikawaHD-017AyeAyeAye
Chris MuraokaHD-045AyeAyeAye
Nadine NakamuraHD-015AyeAyeAye
Ikaika OldsHD-023AyeAyeAye
Amy PerrusoHD-046AyeAyeAye
Mahina PoepoeHD-013AyeAyeAye
Sean QuinlanHD-047AyeAyeAye
Michael RatcliffeHD-028AyeAye
Julie Reyes OdaHD-040AyeAyeAye
Jackson SayamaHD-021AyeAyeAye
Garner ShimizuHD-032AyeAyeAye
Kanani SouzaHD-043AyeAyeAye
Gregg TakayamaHD-034AyeAyeAye
Jenna TakenouchiHD-027AyeAyeAye
David TarnasHD-008AyeAyeAye
Shirley Ann TemploHD-030AyeAyeAye
Chris ToddHD-003AyeAyeAye
Justin WoodsonHD-009AyeAyeAye
Kyle YamashitaHD-012AyeAyeAye

Aye named · Aye* with reservations · Aye floor vote, not named as an exception · No · Excused · Changed reversed from the previous vote

Names are matched to legislators only when exactly one person fits; every printed name on this measure was matched. A missing vote means no record was found for that member at that stage, not a no vote. Committee codes follow the Legislature's abbreviations.Official measure history ↗

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Legislative history

  1. Introduced.

  2. Passed First Reading.

  3. Referred to CPN.

  4. The committee(s) on CPN has scheduled a public hearing on 02-25-26 9:32AM; Conference Room 229 & Videoconference.

  5. The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPN were as follows: 5 Aye(s): Senator(s) Keohokalole, Fukunaga, Lamosao, McKelvey, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.

  6. Reported from CPN (Stand. Com. Rep. No. 2797) with recommendation of passage on Second Reading, as amended (SD 1) and placement on the calendar for Third Reading.

  7. Report adopted; Passed Second Reading, as amended (SD 1).

  8. 48 Hrs. Notice 3/10/2026.

  9. Passed Third Reading, as amended (SD 1). Ayes, 25; Aye(s) with reservations: Senator(s) Inouye, Richards, San Buenaventura. Noes, 0 (none). Excused, 0 (none). Transmitted to House.

  10. Received from Senate (Sen. Com. No. 327) in amended form (SD 1).

  11. Pass First Reading

  12. Referred to CPC, referral sheet 17

  13. Bill scheduled to be heard by CPC on Tuesday, 03-31-26 2:05PM in House conference room 329 VIA VIDEOCONFERENCE.

  14. The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 9 Ayes: Representative(s) Matayoshi, Grandinetti, Chun, Ilagan, Kong, Marten, Tam, Pierick; Ayes with reservations: Representative(s) Iwamoto; Noes: none; and 2 Excused: Representative(s) Ichiyama, Lowen.

  15. Reported from CPC (Stand. Com. Rep. No. 1971-26) as amended in HD 1, recommending passage on Second Reading and placement on the calendar for Third Reading.

  16. Passed Second Reading as amended in HD 1; placed on the calendar for Third Reading with none voting aye with reservations; none voting no (0) and Representative(s) Cochran excused (1).

  17. Passed Third Reading with none voting aye with reservations; none voting no (0) and none excused (0). Transmitted to Senate.

  18. Received from House (Hse. Com. No. 720).

  19. Senate disagrees with House amendments.

  20. Received notice of disagreement (Sen. Com. No. 710).

  21. House Conferees Appointed: Matayoshi Chair; Grandinetti, Pierick.

  22. Received notice of appointment of House conferees (Hse. Com. No. 787).

  23. Senate Conferees Appointed: Keohokalole Chair; McKelvey Co-Chair; Awa.

  24. Received notice of Senate conferees (Sen. Com. No. 783).

  25. Bill scheduled for Conference Committee Meeting on Wednesday, 04-29-26 3:30PM in conference room 224.

  26. The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 3 Aye(s): Senator(s) Keohokalole, McKelvey, Awa; Aye(s) with reservations: none ; 0 No(es): none; and 0 Excused: none.

  27. The Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 3 Ayes: Representative(s) Matayoshi, Grandinetti, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.

  28. Reported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 75-26).

  29. 48 Hrs. Notice (as amended CD 1) 05-06-26.

  30. Reported from Conference Committee (Conf Com. Rep. No. 75-26) as amended in (CD 1).

  31. Forty-eight (48) hours notice Wednesday, 05-06-26.

  32. Passed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.

  33. Passed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and none excused (0).

  34. Received notice of Final Reading (Sen. Com. No. 816).

  35. Received notice of passage on Final Reading in House (Hse. Com. No. 888).

  36. Enrolled to Governor.

  37. Act 256, 07/14/2026 (Gov. Msg. No. 1358).

  38. Act 256, on 07/14/2026 (Gov. Msg. No. 1358).

Bill sponsors