Bill > HB1631

This bill introduces new requirements for fire insurance policies in rural fire departments, mandating coverage for fire department response fees and related expenses. Specifically, for residential properties, insurance policies must now provide coverage of at least 2% of the property value, with a fire department response fee of $1,000 for the first hour and $250 for each additional quarter-hour. Insurance companies can also add the cost of replacing Class A firefighting foam to the response fee. For motor vehicle accidents, liability coverage must now include fire department response at a rate of $540 per hour for the first hour and $135 for each additional quarter-hour, with a 25% increase if powered rescue equipment is used to extricate victims. The bill further allows for additional charges to replace absorbent materials like oil dry and absorbent pads. The Insurance Commissioner of Oklahoma is directed to review these rates annually, with potential increases determined by the Consumer Price Index or another appropriate index. The new regulations will take effect on November 1, 2025, providing rural fire departments with more comprehensive financial coverage for their emergency response services.

Government Affairs

http://www.oklegislature.gov/BillInfo.aspx?Bill=hb1631&Session=2600