HB106 Alabama 2019 Session

Updated Feb 26, 2026

Low Interest

Summary

Primary Sponsor: Chip BrownRepresentative
Republican
Session: Regular Session 2019
Title: Insurance, Commissioner of Insurance authorized to create educational and informational programs, hurricanes and nonhurricane wind and hail added to list of perils insurers required to provide in writing homeowners insurance, Secs. 27-2-7, 27-22-21 am'd.
Summary: HB 106 lets the Alabama Insurance Commissioner create consumer education programs and adds hurricanes and nonhurricane wind and hail to the perils for which homeowners insurers must report information to the Department of Insurance.
What This Bill Does
The bill authorizes the Commissioner to create educational and informational programs for consumers regarding insurance. It adds hurricanes and nonhurricane wind and hail to the list of perils that homeowners insurers must report information about to the Department of Insurance under the Property Insurance Clarity Act. It requires insurers to annually report detailed per-peril data by ZIP code (including direct incurred losses, policies in force, and direct earned premiums) and directs the department to post aggregated ZIP-code data online, with additional catastrophe wind/hail data calls as needed.

Who It Affects
Homeowners in Alabama, who will gain access to consumer education and information about homeowners insurance and its perils.
Insurance companies writing homeowners policies in Alabama, who must report per- peril data by ZIP code and respond to department data calls for catastrophe wind/hail information.

Key Provisions
Authorizes the Insurance Commissioner to create educational and informational programs and presentations for consumers regarding insurance and other department-regulated matters.
Adds hurricanes and nonhurricane wind and hail to the perils for which insurers writing homeowners insurance must provide information to the department under the Property Insurance Clarity Act.
Requires annual reporting by insurers of direct incurred losses, number of policies in force, and direct earned premiums by ZIP code, by peril (fire, all nonhurricane wind/hail, hurricane, and all other perils).
Requires catastrophe wind/hail information to be provided to the department via department data calls for specific catastrophic events.
Requires the department to post aggregated per-ZIP-code totals from the reported data on its website.

AI-generated summary using openai/gpt-5-nano on Feb 24, 2026. May contain errors — refer to the official bill text for accuracy.
Subjects: Insurance