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HR 83 111th Congress House

Homeowners Insurance Protection Act of 2009

Official title: To establish a program to provide reinsurance for State natural catastrophe insurance programs to help the United States better prepare for and protect its cit… Show full official titleShow less

Official title: To establish a program to provide reinsurance for State natural catastrophe insurance programs to help the United States better prepare for and protect its citizens against the ravages of natural catastrophes, to encourage and promote mitigation and prevention for, and recovery and rebuilding from such catastrophes, and to better assist in the financial recovery from such catastrophes.

Introduced: March 30, 2009 See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresAdvisory bodiesCongressional oversightDepartment of the Treasury
More subjectsShow fewer subjects
Disaster relief and insuranceFloods and storm protectionGovernment liabilityGovernment studies and investigationsGovernment trust fundsHousing finance and home ownershipHousing industry and standardsInsurance industry and regulationNatural disastersPublic contracts and procurement
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This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jan 6, 2009
Referred to the House Committee on Financial Services.
Jan 6, 2009
Introduced in House
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 Latest action January 6, 2009

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Homeowners Insurance Protection Act of 2009 - Instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage.

Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility.

Requires each contract for reinsurance coverage to provide insurance coverage against residential property losses to homes, including condominium and cooperative ownership, and the contents of apartment buildings. Cites covered perils.

Prescribes a minimum level of retained losses and maximum federal liability.

Authorizes any insurer who participates in an eligible state program to establish a Catastrophe Capital Reserve Fund to hold funds on the Secretary's behalf to offset reinsurance claims.

Establishes the Consumer Hurricane, Earthquake, Loss Protection (HELP) Fund to: (1) make payments to covered purchasers under contracts for reinsurance coverage for eligible losses; and (2) pay for Commission operating costs and reinsurance program administrative expenses.

Directs the Comptroller General to study the national flood insurance program and hurricane-related flooding.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 1
All 1 Republican 1
R
Diaz-Balart, Mario
Florida · Mar 30, 2009
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APA
U.S. Congress. (2026). H.R. 83: Homeowners Insurance Protection Act of 2009. 111th Congress. Open America. https://openamerica.io/bill/111-HR-83/
MLA
"H.R. 83: Homeowners Insurance Protection Act of 2009." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-83/.
Bluebook (legal)
H.R. 83, 111th Cong. (2026), https://openamerica.io/bill/111-HR-83/.
Markdown link
[H.R. 83: Homeowners Insurance Protection Act of 2009](https://openamerica.io/bill/111-HR-83/)
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