HB283 Alabama 2019 Session

Updated Feb 24, 2026

Summary

Primary Sponsor: Chip BrownRepresentative
Republican
Session: Regular Session 2019
Title: Homeowner's Insurance, companies writing to offer fortified bronze roof endorsement upgrading home to fortified standard when roof damage requires roof to be replaced, Sec. 27-31D-4 added.
Summary: HB 283 requires homeowners insurers in Alabama to offer a fortified bronze roof endorsement that upgrades eligible homes to a fortified standard when a roof replacement is required, with specific timing and filing requirements.
What This Bill Does
If a covered roof replacement is needed, insurers must offer a fortified bronze roof endorsement to upgrade the home to the fortified standard identified by IBHS. The offer must be made when issuing a new policy for a nonfortified home and at the first renewal after the bill’s effective date. Insurance companies must file the endorsement form and any accompanying rates with the Department of Insurance at least 90 days before the bill’s effective date, and the Insurance Commissioner may adopt rules to implement the bill. The act takes effect on January 1, 2020.

Who It Affects
Homeowners with nonfortified homes who are underwriting or renewing policies and may be offered the fortified bronze roof endorsement when their roof must be replaced due to covered damage.
Insurance companies writing homeowners insurance, who must offer the endorsement and file the form and rates, and the Alabama Department of Insurance, which will approve and oversee implementation.

Key Provisions
Requires all homeowners insurers to offer a fortified bronze roof endorsement to upgrade eligible nonfortified homes to the fortified standard for the geographic area.
The endorsement must be offered at (a) new policy issuance for a nonfortified home and (b) first renewal after the act's effective date.
Insurers must file the endorsement form and accompanying rates with the Department of Insurance at least 90 days before the act’s effective date.
The Insurance Commissioner may adopt rules necessary to implement the section.
Effective date: January 1, 2020.

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