LA HB759

Amends R.S. 22:1483.2 to clarify that insurance producers, in addition to insurers, must offer fortified roof endorsements to homeowners with nonfortified residential structures when covered damage requires roof replacement

Requires insurers who sell a fortified roof endorsement and later discover the structure is ineligible for retrofitting to refund premiums collected, minus the costs of determining ineligibility

Prohibits insurers from refusing to offer the fortified roof endorsement based solely on the age of the roof, though roof age and condition may be used as rating factors for the endorsement premium

Applies to homeowners' policies covering residential structures eligible to be retrofitted to comply with Insurance Institute for Business and Home Safety fortified roof standards