When a hailstorm tears through an Illinois neighborhood, most homeowners are not thinking about politics or policy debates. They are thinking about whether their roof will be repaired, whether their claim will be paid fairly, and whether they will still be able to afford coverage next year.

That moment is where insurance policy matters most. Yet the debate over HB 3799 has unfolded in a political season. In an election year, many of the lawmakers backing the bill are running for reelection and eager to signal concern about affordability. That political urgency risks driving policies that sound helpful but could leave consumers with fewer choices and higher costs.