House Bill No. [insert bill number] aims to prohibit certain pricing practices in property damage claims under property and casualty insurance policies, excluding automobile and health insurance. The bill makes it an offense for individuals to charge different prices for the same product or service based on insurer involvement, designating such actions as fraudulent insurance acts. It outlines exceptions for pricing established through written agreements with insurers, such as preferred vendor programs, and for adjustments based on verifiable differences in work scope or materials. Violations are subject to penalties and enforcement under existing law, with the commissioner of insurance authorized to create relevant rules.

Additionally, the bill prohibits insurers from inconsistently applying pricing sources when adjusting claims, requiring them to rely primarily on a pricing database or estimating tool unless deviations are justified by documented market data. It also extends these prohibitions to licensed contractors and subcontractors, making violations grounds for disciplinary action by the State Licensing Board for Contractors. The bill clarifies that it does not create a private right of action and emphasizes that compliant preferred vendor arrangements are not restricted.