HB283 Summary

• Requires all insurance companies writing homeowners insurance in Alabama to offer a "fortified bronze roof endorsement" that upgrades non-fortified homes to a fortified standard when the insured incurs covered damage requiring roof replacement.

• Endorsement offers must be made when writing a new policy on a non-fortified home and at the time of first renewal of an existing policy following the effective date.

• Insurance companies must file their endorsement forms and accompanying rates with the Department of Insurance for approval at least 90 days before the effective date.

• Upgraded homes must meet fortified requirements established by the Institute for Business and Home Safety (IBHS) that are appropriate for the geographic area where the home is located.

• The act became effective January 1, 2020 and authorizes the Insurance Commissioner to adopt rules necessary for implementation.