Model legislation supporting community resilience or mitigation. Updated July 2022. Alabama, Mississippi, Oklahoma, and Louisiana.


ALABAMA


AL 2019 HB283
| FORTIFIED Roof™ Endorsement

Homeowner's insurance, endorsement required for new policies or renewals upgrading a home to fortified standard when roof damage requires the 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 | FORTIFIED Insurance Discounts - Update

    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 allows the owner of the property, both residential and commercial, statewide to claim discounts 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 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 hurricanes, tornadoes, 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

      AL 2009SB500 (SB 1) | FORTIFIED Insurance Discounts - Orginal Legislation. Amended by SB254 (2015)

      Relating to homeowners insurance; 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.


      1. AL 2009-SB500 (SB 1) | The original bill, now amended 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

      LOUISIANA


      LA 2022 HB 612/ Act 554
       | Louisiana Fortify Homes Program 
      Starting January 1, 2023, the Louisiana Fortify Homes Program will provide financial grants to retrofit residential roofs to the FORTIFIED Roof™ standard.


      LA 2021 HB 451/ Act 30
       | 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.

        MISSISSIPPI


        MS 2020 SB2709
        | Updates previous FORTIFIED construction insurance discount legislation


        Amends and replaces MS 2012 HB1410.


        An act to provide an insurance premium discount or insurance rate reduction for homeowners and business owners statewide 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 | FORTIFIED Insurance Discounts - Orginal Legislation. Amended by MS 2020- SB2709
          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.

            OKLAHOMA


            OK 2017 HB1720
            | Establishes the FORTIFIED Home High Wind & Hail standard as the state mitigation standard.
            Property insurance; instructing insurance companies to provide certain discounts and rate reductions; submit certain rating plans; effective date.


            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

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


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

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