The House Resolution urges the Louisiana Department of Insurance (LDI) to conduct a comprehensive study aimed at enhancing the Louisiana Fortify Homes Program (LFHP). This initiative is prompted by the state's high homeowner insurance costs, particularly in hurricane-exposed areas, which rank among the least affordable in the southeastern coastal states. The resolution highlights the need for improved building standards and insurance incentives to mitigate damages from natural disasters, particularly hurricanes, which disproportionately affect Louisiana. It emphasizes the importance of upgrading homes to meet Fortified standards, which can significantly reduce insurance costs and improve resilience against wind damage.

The resolution outlines several key components for the study, including establishing benchmark insurance discounts for homes that comply with Fortified standards, revising the outdated Wind Mitigation Survey, and making recommendations for updating coastal building codes. Additionally, it calls for increased awareness of the LFHP through various outreach strategies, such as digital campaigns and community programs. The LDI is tasked with reporting its findings and recommendations to the House Committee on Insurance by December 31, 2025, with the goal of promoting stronger, more resilient residential constructions in Louisiana.