SB7 Alabama 2011 Session

Summary

Primary Sponsor

Ben H. Brooks

Republican

Co-Sponsors

Trip PittmanRusty Glover

Session

Regular Session 2011

Title

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

Summary

Requires property insurers to clearly disclose windstorm-related discounts and premium savings to residential and commercial policyholders at application and renewal.

What This Bill Does

The bill requires insurers to inform applicants and policyholders about the availability and range of windstorm discounts, credits, rate differentials, reduced deductibles, or other premium savings for properties with windstorm-resistant features. For residential policies, it applies at issuance and renewal and explains generally what steps homeowners can take to reduce windstorm premiums. For commercial policies, it states that a premium reduction may be available if windstorm prevention steps have been taken and that the policyholder should contact their agent for more information.

Who It Affects

• Residential property insurance policyholders and applicants will be notified about available windstorm-related discounts and how to qualify.
• Commercial property policyholders and applicants will be informed that premium reductions may exist if they take windstorm prevention steps and how to learn more from their agent.

Key Provisions

• Residential insurers must, at issuance and renewal, notify applicants/policyholders of the availability and range of discounts, credits, rate differentials, reduced deductibles, or other premium cost reductions for properties with windstorm-resistant features.
• Residential notices must describe generally what measures policyholders may take to reduce windstorm premiums.
• Commercial property insurers must notify applicants/policyholders that a premium reduction may be available if steps have been taken to reduce windstorm damage, and that they may contact their agent for more information.
• The requirement applies to policies issued or renewed after the act's effective date.
• The act becomes effective on the first day of the third month after passage and governor approval.

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