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SB 55KANSASSession 2025-2026State BillSigned into law

Enacted

Kansas prohibits property insurance benefit assignments and classifies them as deceptive trade practices

Original title: AN ACT concerning property and casualty insurance; prohibiting the assignment of benefits therefor; defining such assignment of benefits as an unfair method of competition and unfair or deceptive act or practice; amending K.S.A. 2025 Supp. 40-2404 and repealing the existing section.

Last action · April 9, 2026: Approved by Governor on Friday, April 3, 2026

Bill progressHistory & official text ↓

Introduced

Committee

Floor Vote

Passed

Law

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What This Bill Does

Senate Bill 55 prohibits any person from soliciting or accepting assignments of post-loss insurance benefits under residential or commercial property policies, declaring such agreements void and classifying violations as unfair trade practices. The legislation also updates insurance unfair trade practice statutes regarding claims handling, premium rebates, and title insurance disclosures.

Why it matters

Property owners and service providers can no longer enter into post-loss s for property repairs, altering how contractors and insurance claimants handle property loss claims in Kansas.

Background

Assignment of benefits (AOB) agreements have historically allowed policyholders to transfer insurance claims rights to third-party contractors in exchange for repair services, leading to extensive legal debates regarding insurance litigation and costs. context

Who It Affects

Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.

Directly affected

Property insurance policyholders

Policyholders are prohibited from assigning post-loss benefits under residential or commercial property insurance policies to third-party service providers.

Directly affected

Property restoration and repair service providers

Service providers can no longer accept assignments of post-loss insurance benefits from property owners to cover repair or restoration costs.

Directly affected

Property and casualty insurers

Insurers must handle claims without third-party benefit assignments and comply with updated unfair trade practice and claims settlement regulations.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Can I assign my property insurance claim benefits to a contractor for home repairs?

No. Senate Bill 55 prohibits soliciting or accepting assignments of post-loss property insurance benefits, making such s null and void.

Are there any exceptions to the ban on assignment agreements?

Yes. The restrictions do not apply to assignments granted to federally insured financial institutions, mortgagees, subsequent purchasers of the property, or to liability coverage under a policy.

What else do you want to know?

News Coverage

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Where This Stands

Current status: Signed into law.

Procedural history

20 actions

Apr 9, 2026SenateEnrolled
Approved by Governor on Friday, April 3, 2026
Mar 24, 2026Senate
Enrolled and presented to Governor on Tuesday, March 24, 2026
Mar 18, 2026House
Committee of the Whole - Now working on
Mar 18, 2026HouseFloor
Committee of the Whole - Be passed
Mar 18, 2026HouseFloor
Motion to advance to Emergency Final Action adopted
Mar 18, 2026HouseFloor
Emergency Final Action - Passed

Show 14 earlier actions

Mar 12, 2026HouseFloor
Committee Report recommending bill be passed by
Mar 4, 2026House
Hearing: Wednesday, March 4, 2026, 3:30 PM — Room 218-N
Feb 25, 2026HouseIntroduced
Received and Introduced
Feb 25, 2026HouseCommittee
Referred to House Committee on Insurance
Feb 18, 2026Senate
Committee of the Whole - Now working on
Feb 18, 2026SenateFloor
Committee of the Whole - Committee Report be adopted
Feb 18, 2026SenateFloor
Committee of the Whole - Be passed as amended
Feb 18, 2026Senate
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Feb 18, 2026SenateFloor
Emergency Final Action - Passed as amended
Feb 17, 2026SenateFloor
Committee Report recommending bill be passed as amended by
Feb 5, 2026Senate
Hearing: Thursday, February 5, 2026, 9:30 AM — Room 546-S
Feb 6, 2025Senate
Hearing: Thursday, February 6, 2025, 9:30 AM — Room 546-S
Jan 23, 2025SenateCommittee
Referred to Senate Committee on Financial Institutions and Insurance
Jan 22, 2025SenateIntroduced
Introduced

Version history

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Lobbying Activity

No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.

Full breakdown

Who this bill affects and the strongest case for and against it, written only from the bill’s own text.

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