SB55 Alabama 2019 Session

Summary

Primary Sponsor

Phillip W. Williams

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

SB 55 would let Alabama's Insurance Commissioner create consumer education programs and require insurers to report hurricane and nonhurricane wind and hail data for homeowners insurance.

What This Bill Does

If enacted, the bill would authorize the Commissioner to develop educational and informational programs for consumers about insurance and other matters the Department regulates. It would add hurricanes and nonhurricane wind and hail to the perils that insurers must report to the Department under the Property Insurance Clarity Act. The existing requirement for insurers to annually report direct incurred losses, policies in force, and direct earned premiums by zip code would be maintained, with the Department posting aggregated data by zip code and conducting catastrophe wind/hail data calls when needed.

Who It Affects

• Homeowners insurance providers in Alabama: must report data by zip code for hurricanes and nonhurricane wind and hail, in addition to existing reporting requirements.
• Alabama consumers/homeowners: may benefit from new educational and informational programs about insurance and related topics.
• Alabama Department of Insurance: responsible for collecting, aggregating, and publishing the reporting data and for administering the new consumer education programs.

Key Provisions

• Authorizes the Commissioner of Insurance 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 list of perils for which insurers must provide information to the Department under the Property Insurance Clarity Act.
• Maintains annual reporting by insurers of direct incurred losses, policies in force, and direct earned premiums, with data reported by zip code and aggregated by the Department.
• Requires the Department to post aggregated, zip-code–level data publicly and allows the Department to issue catastrophe wind/hail data calls.

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