SB394 Alabama 2011 Session

Summary

Primary Sponsor

Ben H. Brooks

Republican

Co-Sponsor

Trip Pittman

Session

Regular Session 2011

Title

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

Summary

The bill requires residential and commercial property insurers to clearly tell applicants and policyholders about windstorm-related discounts and how to qualify for them.

What This Bill Does

If enacted, the bill would require insurers to notify applicants and policyholders, at the issuance of a new policy and at renewal, about the range of windstorm-related discounts, credits, rate differentials, reduced deductibles, or other premium savings for properties with windstorm resistant features. For residential policies, the notice must explain generally what measures can lower windstorm premiums. For commercial properties, the notice must state that a premium reduction may be available if steps are taken to reduce windstorm damage and that policyholders can contact their agent or insurer for more information. The requirements apply to policies issued or renewed after the act’s effective date.

Who It Affects

• Residential property insurance applicants and policyholders who will receive notices about windstorm discount options and qualifying measures.
• Commercial property insurance applicants and policyholders who will receive notices about possible windstorm premium reductions and how to obtain more information.

Key Provisions

• Residential insurers must, at new policy issuance and at renewal, clearly notify the applicant or policyholder of the availability and range of premium discounts, credits, rate differentials, reductions in deductibles, or other premium cost reductions for properties with windstorm mitigation features, and describe generally what measures may reduce windstorm premiums.
• Commercial insurers must, at new policy issuance and at renewal, include a notice that a premium reduction may be available if steps are taken to prevent or reduce windstorm damage and that the policyholder may contact its agent, broker, or insurer for additional information.
• The provisions apply to policies issued or renewed after the act’s effective date, which is the first day of the third month following passage.

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