Senate Bill No. 222, introduced by Senator Duplessis, mandates that insurers provide a premium discount or rate reduction ranging from twenty to thirty percent for insureds participating in the Louisiana Fortify Homes Program. This requirement applies to owners who construct or locate new residential or commercial properties designed to withstand damage from hurricanes, tornadoes, or other catastrophic windstorm events. Insurers must implement this discount by October 1, 2026, and may also offer additional adjustments such as changes in deductibles or credit rate differentials.

The bill enacts new legal language under R.S. 22:1483.1(F), which outlines these requirements and ensures that property owners who meet specific building standards can benefit from these financial incentives. The legislation is set to take effect upon the governor's signature or after the designated period for gubernatorial action if not signed.