The House Resolution urges the Louisiana Department of Insurance (LDI) to conduct a comprehensive study aimed at improving the Louisiana Fortify Homes Program (LFHP). This initiative is prompted by the state's high homeowner insurance costs, particularly in hurricane-exposed areas, where Louisiana ranks lowest in affordability compared to other southeastern coastal states. The resolution highlights the need for better wind mitigation measures, as homeowners currently face significant financial burdens due to rising insurance costs and the risk of natural disasters. The LFHP, which provides grants for homeowners to upgrade their roofs to meet specific Fortified standards, has seen increased funding and participation, but there is a call for further enhancements to the program.

The resolution outlines several key objectives for the study, including establishing benchmark insurance discounts for homes meeting Fortified standards, revising the outdated wind mitigation survey, and making recommendations for updating coastal building codes. Additionally, it emphasizes the importance of raising awareness about the LFHP and other Fortified Home Programs through various outreach strategies. The LDI is tasked with reporting its findings and recommendations to the House Committee on Insurance by December 31, 2025, with the aim of promoting stronger, more resilient residential constructions in Louisiana.