SB231 Alabama 2012 Session

Summary

Primary Sponsor

Ben H. Brooks

Republican

Co-Sponsors

Trip PittmanRusty GloverGeorge M. “Marc” KeaheyVivian Davis Figures

Session

Regular Session 2012

Title

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

Summary

This bill would require Alabama property insurers to clearly notify customers about windstorm risk reduction discounts and related premium savings at application and renewal.

What This Bill Does

Residential insurers must inform applicants and policyholders, at new policy issuance and at renewal, about the availability and range of discounts, credits, rate differentials, reduced deductibles, or other premium savings for properties with windstorm-resistant features, and explain generally how to qualify. Commercial property insurers must notify applicants and policyholders that a premium reduction may be available if steps have been taken to reduce windstorm damage, and direct them to contact their agent for more information. These notices apply to policies issued or renewed after the act’s effective date.

Who It Affects

• Residential property insurance applicants/policyholders who would receive notices about windstorm-related discounts and how to reduce premiums at policy issuance and renewal.
• Commercial property insurance applicants/policyholders who would receive notices about possible premium reductions for windstorm resistance and how to obtain more information at policy issuance and renewal.

Key Provisions

• Residential policies: at issuance and renewal, insurers must clearly notify the policyholder of the availability and range of premium discounts, credits, rate differentials, deductible reductions, or other premium cost reductions for windstorm-resistant features, and describe generally how to reduce windstorm premiums.
• Commercial policies: at issuance and renewal, insurers must include a notice that a premium reduction may be available if steps have been taken to prevent or reduce windstorm damage, and that the policyholder may contact their agent, broker, or insurer for more information.
• Effective period: the obligations apply to policies issued or renewed after the act’s effective date.
• Effective date: the act becomes law on the first day of the third month after it is passed and signed.

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