House Bill 424 Alabama 2026 Session

Summary

Primary Sponsor

Corley EllisRepresentative

Republican

Session

2026 Regular Session

Title

Department of Insurance; Office of Risk and Resilience created; Strengthen Alabama Homes Program placed under office

Summary

HB424 would create a new Office of Risk and Resilience inside the Department of Insurance and move the Strengthen Alabama Homes Program into that office, with a dedicated fund and new funding rules.

What This Bill Does

It creates the Office of Risk and Resilience within the Department of Insurance and allows it to hire staff to run the office, including at least one exempt employee whose pay is set by the Commissioner. It establishes the Strengthen Alabama Homes Fund in the State Treasury to finance the program, with funding that depends on yearly appropriations, federal grants, or other sources and not guaranteed as an entitlement. The program could provide grants to retrofit insured properties to resist hurricane-, tornado-, or other wind-related damage, and may also fund nonprofit entities to administer grants, all while requiring permits, inspections, and adherence to building codes (Fortified for Existing Homes). The act becomes effective on June 1, 2026.

Who It Affects

• Property owners with insured homes who could receive grants to retrofit their homes against wind-related damage.
• Nonprofit organizations that might administer the grants or funds for retrofit projects.

Key Provisions

• Creates the Office of Risk and Resilience within the Department of Insurance, authorizes staffing (including one exempt position) and compensation set by the Commissioner, and places the Strengthen Alabama Homes Program under this new office; effective June 1, 2026.
• Establishes the Strengthen Alabama Homes Fund in the State Treasury to support the program; funds are not guaranteed entitlement and depend on appropriations or grants; monies must be used for program purposes, not lapse except under specified conditions, and can fund grants to retrofit properties or to nonprofit entities under grant rules with required administration and documentation.

AI-generated summary using openai/gpt-5-nano on Feb 12, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Insurance