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United States · Bill · HR

H.R. 4366 (109th)

Homeowners Insurance Protection Act of 2005

referredUnited States· United States Congress· EN

Introduced

17 November 2005

Last action

17 November 2005 · Introduced

Status

Referred to the House Committee on Financial Services.

Sponsors

Rep. Brown-Waite, Ginny [R-FL-5], Rep. Shaw, E. Clay, Jr. [R-FL-22], Rep. Ros-Lehtinen, Ileana [R-FL-27], Rep. McCarthy, Carolyn [D-NY-4], Rep. Israel, Steve [D-NY-3], Rep. Harris, Katherine [R-FL-13], Rep. Feeney, Tom [R-FL-24], Rep. Knollenberg, Joe [R-MI-9], Rep. Bilirakis, Michael [R-FL-9], Rep. Miller, Jeff [R-FL-1], Rep. Hastings, Alcee L. [D-FL-20], Rep. Farr, Sam [D-CA-20], Rep. Young, C. W. Bill [R-FL-13], Rep. Diaz-Balart, Mario [R-FL-26], Rep. Diaz-Balart, Lincoln [R-FL-21], Rep. Davis, Jim [D-FL-11], Sen. Kirk, Mark Steven [R-IL], Rep. Case, Ed [D-HI-1], Rep. Weldon, Dave [R-FL-15], Rep. Manzullo, Donald A. [R-IL-16], Rep. Bean, Melissa L. [D-IL-8], Rep. LaHood, Ray [R-IL-18], Rep. Meeks, Gregory W. [D-NY-5], Rep. Meek, Kendrick B. [D-FL-17], Rep. Gerlach, Jim [R-PA-6], Rep. Gordon, Bart [D-TN-6], Rep. Doyle, Michael F. [D-PA-14], Rep. Weldon, Curt [R-PA-7], Rep. Boyd, Allen [D-FL-2], Rep. Calvert, Ken [R-CA-41], Rep. Foley, Mark [R-FL-16], Rep. Weller, Jerry [R-IL-11]

Subjects

Housing

Source updated

6 December 2025

Housing

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Summary

Homeowners Insurance Protection Act of 2005 - 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. 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.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 17 November 2005

    Introduced

    Referred to the House Committee on Financial Services.

    Source: IntroReferral

  2. 17 November 2005

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 17 November 2005

    Introduced

    Introduced in House

    Source: IntroReferral

Votes

No vote records are attached yet.

Versions

Documents

3 official files

Introduced in House (text)

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  • Introduced in House (text)

    Introduced in House · EN · 17 November 2005

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  • Introduced in House (PDF)

    Introduced in House · EN · 17 November 2005

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  • Introduced in House

    summary · EN · 17 November 2005

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Sponsors

Related records

Sources

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