SB118 Alabama 2019 Session

Summary

Primary Sponsor

Phillip W. Williams

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

Requires Alabama homeowners insurers to offer a fortified bronze roof endorsement to upgrade nonfortified homes to IBHS fortification standards when a roof replacement is needed.

What This Bill Does

If a roof is damaged and must be replaced, insurers must offer a fortified bronze roof endorsement to bring the home up to fortified standards identified by IBHS for the area. The offer must be made when writing a new policy for a nonfortified home and at the first renewal after the section takes effect. Insurers must file the endorsement form and its rates with the Department of Insurance at least 90 days before the effective date, and the Insurance Commissioner can adopt rules to implement the law. The act takes effect January 1, 2020.

Who It Affects

• Homeowners with nonfortified homes who might be offered an upgrade option when their roof needs replacement.
• Insurance companies writing homeowners policies, who must offer the endorsement and file the related forms and rates for approval.

Key Provisions

• Requires a fortified bronze roof endorsement to upgrade a nonfortified home to IBHS Fortified standards when the policy requires roof replacement.
• The upgrade must reflect fortified requirements for the geographic area where the home is located.
• The endorsement must be offered at the time of writing a new policy for a nonfortified home and at the first renewal after the act's effective date.
• Insurers must file the endorsement form and rates with the Department of Insurance at least 90 days before the act's effective date.
• The Insurance Commissioner may adopt rules 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