STAND. COM. REP. NO. 1566

                                 Honolulu, Hawaii
                                                   , 1999

                                 RE: H.R. No. 93
                                     




Honorable Calvin K.Y. Say
Speaker, House of Representatives
Twentieth State Legislature
Regular Session of 1999
State of Hawaii

Sir:

     Your Committee on Consumer Protection and Commerce, to which
was referred H.R. No. 93 entitled:

     "HOUSE RESOLUTION REQUESTING THE INSURANCE COMMISSIONER TO
     DETERMINE THE EFFECTIVENESS OF THE HAWAII INSURANCE BUREAU'S
     FIRE RATING PROGRAM,"

begs leave to report as follows:

     The purpose of this resolution is to request the Insurance
Commissioner to determine the effectiveness of the Hawaii
Insurance Bureau's fire rating program.

     In particular, this resolution requests the Insurance
Commissioner to look at the interaction among certain industry
issues such as local changes in fire protection, revision of
rating organization filings, and individual insurer's conformity
to rating organization filings.

     Testimony in support of this measure was submitted by the
Insurance Commissioner and the Hawaii Insurance Bureau.

     Your Committee finds that the affordability of property and
casualty insurance is of particular concern to communities
situated in geographic regions at risk of sustaining natural or
artificial fire and fire-related damage.  As these communities
build and develop fire prevention infrastructures to minimize the

 
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risks of fire-related damage, it is only fair that their
insurance costs reflect their efforts.

     As affirmed by the record of votes of the members of your
Committee on Consumer Protection and Commerce that is attached to
this report, your Committee concurs with the intent and purpose
of H.R. No. 93 and recommends that it be referred to the
Committee on Finance.

                                   Respectfully submitted on
                                   behalf of the members of the
                                   Committee on Consumer
                                   Protection and Commerce,



                                   ______________________________
                                   RON MENOR, Chair

 
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