Model legislation supporting community resilience or mitigation. Updated June 2021. Alabama, Mississippi, Oklahoma, and Louisiana.


AL 2019 - HB283 | FORTIFIED Roof™ Endorsement

Homeowner's insurance, endorsement required for new policies or renewals upgrading home to fortified standard when roof damage requires roof to be replaced, Sec. 27-31D-4 added. Effective 01/01/2020.

  1. Alabama Department of Insurance Regulatory Bulletins for HB283

    1. 2019-06
  2. Resources for the FORTIFIED Roof insurance endorsement

AL 2018- SB147 | Roofer Licensure

Act 2018-143. Home Builders Licensure Board; to require a roofer to hold a license from the Home Builders Licensure Board when the cost of a roofing project exceeds $2,500

    AL 2015 - SB254 | Amends and replaces AL 2009 -SB500.

    Expands recognition of FORTIFIED construction standards statewide, recognizes FORTIFIED Home High Wind And Hail standards, recognizes FORTIFIED Commercial standards, and updates insurance premium reduction amounts. Insurance allow the owner of the property, residential and commercial, statewide to claim discount for structures retrofitted to resist storms.

    1. Alabama Department of Insurance Regulatory Bulletins regarding SB254/SB500
      1. 2016-07 | Introduction of new commercial and residential discounts. designation of three zones within the state.
      2. 2015-05 | Expansion of FORTIFIED discounts statewide (by 2018) and recognition of FORTIFIED Commercial (2016)
      3. 2013-07 | Updates to regulatory incentives and discount floors for FORTIFIED in the State. Effective July 2014
      4. 2009-07 | First bulletin enacting discounts and incentives for FORTIFIED in the state.

    AL 2015- HB92 | Funding the Strengthen Alabama Homes grant program

    Insurance Department, licensing, certain fees for licenses increased, appropriation to Insurance Department Fund for Strengthen Alabama Homes Fund for the fiscal year 2016

      AL 2015- SB220 | PIER Act

      Energy efficiency projects, financing by local governments authorized, non ad valorem tax assessments, liens, bonds authorized, Property Insurance and Energy Reduction Act of Alabama (PIER Act)

      1. SB220 Bill Text

      AL 2009-SB500 (SB 1) | Relating to insurance discounts; to amend Sections 6 27-31D-1, 27-31D-2, and 27-31D-3 of the Code of Alabama 1975, to allow owners of commercial property an insurance premium reduction for retrofitting their commercial property to strengthen the structures in order to help resist hurricane and other windstorm damages.

      1. AL 2009-SB500 (SB 1) | The original bill, replaced by SB254, enacted FORTIFIED Insurance Discounts in the State- Relates to homeowners insurance. The act provides an insurance premium discount or insurance rate reduction for homeowners in any county contiguous to the Gulf of Mexico and the Mobile Bay who build, rebuild, or retrofit an insurable property to better resist hurricanes or other catastrophic windstorm events.
        1. Code of Alabama - Section 27-31D-2

      AL 2012- SB227 | Alabama Catastrophe Saving Accounts

        Catastrophe savings account, established to cover insurance deductibles and other uninsured portions of risks of loss to owners of residential property owners from windstorm events, income tax deduction for deposits made to account

        1. FAQs

        AL 2011- SB389 | Strengthen Alabama Homes Program established

        Establishes the Strengthen Alabama Homes Program to aid homeowners in retrofitting insurable property to resist loss due to hurricane, tornado, or other catastrophic windstorm events.

        1. Code of Alabama - Chapter 31E

        AL 2011- SB395 | Retrofit Tax Deduction (Act No. 2011-644)

        Deductions for certain retrofitting or upgrades to homes (including mitigation for wind and flood)- Residence in Alabama Insurance Underwriting Association zone. Code of Alabama -Section 40-18-15.5

        1. Download - Frequently Asked Questions


        LA 2021- HB 451
        FORTIFIED Construction Insurance Discounts

        Starting July 1, 2022, home and business owners who build or retrofit the FORTIFIED Home™ or FORTIFIED Commercial™ standards will qualify for a reduced rate or discount on their hazard insurance.

        Residential properties will require a FORTIFIED Designation certificate. Commercial properties will need a Letter of Compliance from the Insurance Institute for Business and Home Safety (IBHS).

        In addition, any homeowner currently receiving mitigation credits or insurance discounts offered before July 1, 2022, may continue receiving those discounts as long as they meet the requirements. Insurance discounts are also available for meeting the Louisiana State Uniform Building Code.


          MS 2020- SB2709 | Updates previous FORTIFIED construction insurance discount legislation

          An act to provide an insurance premium discount or insurance rate reduction for homeowners and business owners who build, rebuild, or re-roof an insurable property to resist hurricane or other catastrophic windstorm events better.

            MS 2014- SB2378
            | Statewide Building Code

            An Act To Adopt Certain Nationally Recognized Codes And Standards As The State Uniform Construction Code; To Amend Sections 17-2-7 And 17-2-9, Mississippi Code Of 1972, To Exempt Certain Structures From Requirements Under The State Uniform Construction Code; And For Related Purposes.

              MS 2012- HB1410 | Legislates insurance discounts for building to FORTIFIED standards

              An act to provide an insurance premium discount or insurance rate reduction for homeowners who build, rebuild or retrofit an insurable property to better resist hurricane or other catastrophic windstorm events.


                OK 2017- HB1720
                | Establishes the FORTIFIED Home High Wind & Hail standard as the state mitigation standard.

                Allows insurance companies to set actuarially sound rate discounts for homes that are certified to meet the FORTIFIED standard to qualify for the insurance discounts. Opens the door for other building standards to qualify for insurance discounts only if they meet or exceed the FORTIFIED Home High Wind & Hail standards. Insurers must file rates with the Oklahoma Department of Insurance (OKDOI) to justify their discount amounts. Allows the OKDOI to promulgate rules to support the discounts but does not allow the OKDOI to set benchmark discounts.

                Property insurance; instructing insurance companies to provide certain discounts and rate reductions; submit certain rating plans; effective date.

                Oklahoma State Uniform Building Code Commission (IRC 2015 Adopted November 2016

                Appendix Y- Section 748:20-5-28, Residential Tornado Provisions (Page 54)

                • Department of Insurance Bulletin- The Commissioner encourages property owners, insurers, and contractors to evaluate the benefits of the Fortified Home program.
                • Department of Insurance Regulatory Bulletins

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