Illinois · House Bill 5357 · 103rd General Assembly

INS CD-HOMEOWNER'S INS-SEWER

  1. Introduced Feb 9, 2024
  2. In committee Feb 9, 2024
  3. Passed the House Apr 18, 2024
  4. Passed the Senate May 16, 2024
  5. To the governor Jun 21, 2024
  6. Became law Aug 2, 2024

What it does

The legislature's own summary of the bill, or its official long title.

Amends the Illinois Insurance Code. Provides that when issuing or marketing a homeowner's insurance policy, an insurer shall disclose whether the homeowner's insurance policy covers damage from a sewer backup or overflow from a sump pump. Provides that if the homeowner's insurance policy being issued does not cover damage caused by a sewer backup or overflow from a sump pump, the insurer shall offer the insured the…

Read the full title (116 words)

Amends the Illinois Insurance Code. Provides that when issuing or marketing a homeowner's insurance policy, an insurer shall disclose whether the homeowner's insurance policy covers damage from a sewer backup or overflow from a sump pump. Provides that if the homeowner's insurance policy being issued does not cover damage caused by a sewer backup or overflow from a sump pump, the insurer shall offer the insured the opportunity to purchase additional coverage for damage caused by a sewer backup or overflow from a sump pump. Provides that the cost of the additional coverage shall be clearly communicated to the insured at the time the opportunity to purchase the additional coverage is offered. Defines "homeowner's insurance policy".

Every action

71 steps, oldest first, as the legislature records them.

Show the 63 earlier steps
  1. HouseFiled with the Clerk by Rep. Elizabeth "Lisa" Hernandez
  2. HouseFirst Reading
  3. CommitteeReferred to Rules Committee · House Rules
  4. CommitteeAssigned to Insurance Committee · House Insurance
  5. CommitteeDo Pass / Short Debate Insurance Committee; 013-000-000 · House Insurance
  6. HouseAdded Chief Co-Sponsor Rep. Thaddeus Jones
  7. HouseAdded Co-Sponsor Rep. Jeff Keicher
  8. HouseAdded Co-Sponsor Rep. Margaret Croke
  9. HouseAdded Co-Sponsor Rep. Jawaharial Williams
  10. HouseAdded Co-Sponsor Rep. Tracy Katz Muhl
  11. HousePlaced on Calendar 2nd Reading - Short Debate
  12. HouseHouse Floor Amendment No. 1 Filed with Clerk by Rep. Elizabeth "Lisa" Hernandez
  13. CommitteeHouse Floor Amendment No. 1 Referred to Rules Committee · House Rules
  14. CommitteeHouse Floor Amendment No. 1 Rules Refers to Insurance Committee · House Insurance
  15. CommitteeHouse Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; 015-000-000 · House Insurance
  16. HouseSecond Reading - Short Debate
  17. HouseHeld on Calendar Order of Second Reading - Short Debate
  18. HouseAdded Chief Co-Sponsor Rep. Bob Morgan
  19. HouseAdded Co-Sponsor Rep. Emanuel "Chris" Welch
  20. HouseHouse Floor Amendment No. 1 Adopted
  21. HousePlaced on Calendar Order of 3rd Reading - Short Debate
  22. HouseAdded Co-Sponsor Rep. Kevin Schmidt
  23. HouseAdded Co-Sponsor Rep. Matt Hanson
  24. HouseAdded Co-Sponsor Rep. Dagmara Avelar
  25. HouseAdded Co-Sponsor Rep. Norma Hernandez
  26. HouseAdded Co-Sponsor Rep. Lilian Jiménez
  27. HouseAdded Co-Sponsor Rep. Yolonda Morris
  28. HouseThird Reading - Short Debate - Passed 105-000-000
  29. HouseAdded Co-Sponsor Rep. Abdelnasser Rashid
  30. SenateArrive in Senate
  31. SenatePlaced on Calendar Order of First Reading
  32. SenateChief Senate Sponsor Sen. Napoleon Harris, III
  33. SenateFirst Reading
  34. CommitteeReferred to Assignments · Senate Assignments
  35. CommitteeAssigned to Insurance · Senate Insurance
  36. SenateRule 2-10 Committee Deadline Established As May 10, 2024
  37. CommitteeDo Pass Insurance; 010-000-000 · Senate Insurance
  38. SenatePlaced on Calendar Order of 2nd Reading May 9, 2024
  39. SenateAdded as Alternate Co-Sponsor Sen. Willie Preston
  40. SenateAdded as Alternate Chief Co-Sponsor Sen. Mike Porfirio
  41. SenateAdded as Alternate Chief Co-Sponsor Sen. Javier L. Cervantes
  42. SenateAdded as Alternate Chief Co-Sponsor Sen. Celina Villanueva
  43. SenateSecond Reading
  44. SenatePlaced on Calendar Order of 3rd Reading
  45. SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Napoleon Harris, III
  46. CommitteeSenate Floor Amendment No. 1 Referred to Assignments · Senate Assignments
  47. CommitteeSenate Floor Amendment No. 1 Assignments Refers to Insurance · Senate Assignments
  48. CommitteeSenate Floor Amendment No. 1 Recommend Do Adopt Insurance; 007-000-000 · Senate Insurance
  49. SenateRecalled to Second Reading
  50. SenateSenate Floor Amendment No. 1 Adopted; N. Harris
  51. SenatePlaced on Calendar Order of 3rd Reading
  52. SenateThird Reading - Passed; 058-000-001
  53. HouseArrived in House
  54. HousePlaced on Calendar Order of Concurrence Senate Amendment(s) 1
  55. HouseSenate Floor Amendment No. 1 Motion Filed Concur Rep. Elizabeth "Lisa" Hernandez
  56. CommitteeSenate Floor Amendment No. 1 Motion to Concur Referred to Rules Committee · House Rules
  57. CommitteeSenate Floor Amendment No. 1 Motion to Concur Rules Referred to Insurance Committee · House Insurance
  58. CommitteeSenate Floor Amendment No. 1 Motion to Concur Recommends Be Adopted Insurance Committee; 014-000-000 · House Insurance
  59. HouseSenate Floor Amendment No. 1 House Concurs 115-000-000
  60. HouseHouse Concurs 115-000-000
  61. HousePassed Both Houses
  62. SenateAdded as Alternate Co-Sponsor Sen. Cristina Castro
  63. SenateAdded as Alternate Co-Sponsor Sen. Adriane Johnson
  1. SenateAdded as Alternate Co-Sponsor Sen. Mary Edly-Allen
  2. SenateAdded as Alternate Co-Sponsor Sen. Emil Jones, III
  3. SenateAdded as Alternate Co-Sponsor Sen. Meg Loughran Cappel
  4. SenateAdded as Alternate Co-Sponsor Sen. Laura M. Murphy
  5. HouseSent to the Governor
  6. HouseEffective Date January 1, 2025
  7. HouseGovernor Approved
  8. HousePublic Act . . . . . . . . . 103-0858

Roll calls

8 recorded votes: 3 on the floor, 5 in committee. Each shows how every member voted.

Third Reading · Full House

Passed 105–0
Apr 18, 2024 · journal entry
Yes 105 No 0 Not voting 13
Democrats: 70 yes, 0 no Republicans: 35 yes, 0 no
How each member voted

Yes · 105

Not voting · 3

Absent · 2

Excused · 8

Third Reading · Full Senate

Passed 58–0
May 16, 2024 · journal entry
Yes 58 No 0 Not voting 1
Democrats: 40 yes, 0 no Republicans: 18 yes, 0 no
How each member voted

Yes · 58

Not voting · 1

Senate Floor Amendment No. 1 - Concurrence · Full House

Passed 115–0
May 24, 2024 · journal entry
Yes 115 No 0 Not voting 2
Democrats: 75 yes, 0 no Republicans: 40 yes, 0 no
How each member voted

Yes · 115

Excused · 2

Committee and other votes

DateWhereQuestionResult
Mar 12, 2024 House Insurance Insurance - Do Pass
Members

Yes · 13

Not voting · 2

Passed 13–0
Apr 17, 2024 House Insurance House Floor Amendment No. 1 - Insurance - Recommends Be Adopted
Members

Yes · 15

Passed 15–0
May 7, 2024 Senate Insurance Insurance - Do Pass
Members

Yes · 10

Not voting · 1

10–0
May 14, 2024 Senate Insurance Senate Floor Amendment No. 1 - Insurance - Recommend Do Adopt
Members

Yes · 7

Not voting · 4

7–0
May 22, 2024 House Insurance Senate Floor Amendment No. 1 - Insurance - Recommends Be Adopted
Members

Yes · 14

Not voting · 1

Passed 14–0

Sponsors

The member who introduced it, joined by 24 cosponsors: 22 Democrats, 2 Republicans.

All 24 cosponsors

From Illinois's official records (www.ilga.gov), checked Nov 13, 2026. Text links go to the official versions; LegiList does not copy bill text.