SB208 Alabama 2010 Session

Summary

Primary Sponsor

Ben H. Brooks

Republican

Co-Sponsors

Trip PittmanRusty Glover

Session

Regular Session 2010

Title

Property insurers, commercial and residential, disclosure of discounts for construction or improvements to property to withstand windstorm damage

Summary

SB208 would require property insurers in Alabama to clearly inform applicants and policyholders about windstorm mitigation discounts and related premium savings at application and renewal.

What This Bill Does

At policy issuance and renewal, residential property insurers must notify applicants and policyholders about the availability and range of windstorm-related discounts, credits, rate differentials, reduced deductibles, or other premium savings for properties with mitigation features, and describe general measures to reduce windstorm costs. Commercial property insurers must inform applicants and policyholders that premium reductions may be available if steps have been taken to prevent or reduce windstorm damage and provide information through the agent, broker, or insurer. The act applies to new and renewing policies and becomes effective on the first day of the third month after passage and governor approval.

Who It Affects

• Residential property policyholders and applicants, who would receive notices about windstorm mitigation discounts during policy issuance and renewal.
• Commercial property policyholders and applicants, who would receive notices about possible windstorm premium reductions and how to obtain more information from their agent, broker, or insurer.

Key Provisions

• Residential: At issuance of a new policy and at renewal, insurers must clearly notify the applicant or policyholder of the availability and range of each windstorm-related discount, credit, rate differential, deductible reduction, or other premium cost reduction for properties with mitigation features, and describe generally what measures may reduce windstorm premium.
• Commercial: At issuance and renewal of a commercial property policy, insurers must include a notice that a reduction in premium may be available if steps have been taken to prevent or reduce windstorm damage, and that the policyholder may contact its agent, broker, or insurer for additional information.
• Effective date and applicability: The act becomes effective on the first day of the third month after passage and governor approval, and applies to policies issued or renewed after that date.
• Scope: Applies to residential and commercial property insurance policies in Alabama.

AI-generated summary using openai/gpt-5-nano on Feb 25, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Insurance