TX HB4532

Requires residential property insurers in Texas to offer an optional endorsement that covers roof replacement to meet enhanced standards, specifically the IBHS (Institute for Business and Home Safety) fortified home roof standards or other insurer-specified standards

Applies to all residential property and fire/allied lines insurers including capital stock companies, mutual companies, county mutuals, Lloyd's plans, and reciprocal exchanges

Exempts the Texas Windstorm Insurance Association, FAIR Plan Association, and commercial insurance policies from the requirement

Allows insurers to charge an actuarially justified premium for the endorsement but does not require an additional charge; prohibits the insurance commissioner from setting or suggesting rates for the endorsement

Takes effect September 1, 2025, and applies to policies delivered, issued, or renewed on or after January 1, 2026