SPRINGFIELD – State Senator Napoleon B. Harris, III fought for a new law to increase transparency of homeowner insurance policy coverage.

“Homeowners should have a clear understanding of what their homeowner insurance policy covers,” said Harris (D-Harvey). “This new law will help empower residents to make informed financial decisions about their homeowner insurance policies.”

House Bill 5357 will require an insurer to disclose whether a homeowner's insurance policy covers damage from a sewer backup or overflow from a sump pump when issuing or quoting a homeowner's policy. Further, the law will require insurance companies to offer the policyholder an opportunity to purchase this coverage if the policy does not already include it.

Harris fought for this initiative in response to local flooding in Burnham, Calumet City, Dolton and South Holland in the 15^th District where many residents discovered that their homeowner insurance policies did not cover damages from a sewer backup or overflow from a sump pump.

According to the Illinois Independent Insurance Agents, a busted sewer line can cost up to $30,000 to repair and replace.

“Increasing transparency in homeowner insurance policies is a good first step in ensuring residents are equipped with the facts to make decisions that are in the best interests of their families and loved ones,” said Harris.

House Bill 5357 was signed into law on Friday and goes into effect Jan. 1, 2025.