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 alarming statistics regarding the affordability of homeowners' insurance in Louisiana, which is the least affordable among southeastern coastal states, and the state's vulnerability to natural disasters, particularly hurricanes. The resolution highlights the need for improved wind mitigation measures, including the establishment of benchmark insurance discounts for homes that meet Fortified standards, the revision of the outdated wind mitigation survey, and recommendations for updating coastal building codes to ensure new constructions are resilient against wind damage.

Additionally, the resolution emphasizes the importance of raising awareness about the LFHP and other Fortified Home Programs to encourage homeowner participation and compliance. It outlines various strategies for outreach, including digital campaigns, community programs, and partnerships with contractors and insurers. 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 and ultimately reducing insured losses for homeowners.