House Resolution No. by Representative Freeman calls for the Louisiana State Licensing Board of Contractors and the Louisiana State Uniform Construction Code Council to conduct a study and provide recommendations on incorporating FORTIFIED Roof building standards into the building codes for the coastal zone. This initiative arises from the ongoing homeowners' insurance crisis in Louisiana, exacerbated by frequent hurricanes and tropical storms that have historically caused significant property damage. The FORTIFIED Roof standards, developed by the Insurance Institute for Business and Home Safety, have been shown to enhance a home's resilience against hurricane-force winds, potentially leading to lower insurance premiums and a more stable insurance market in the state.

The resolution emphasizes the importance of retrofitting homes to meet these standards, as demonstrated by successful implementations in other states like Alabama, where such measures have resulted in reduced reinsurance costs and lower premiums for consumers. The Louisiana State Licensing Board of Contractors and the Louisiana State Uniform Construction Code Council are tasked with creating a detailed report on their findings and recommendations, which is to be submitted to the House Committee on Commerce by February 1, 2026. This effort aims to improve the safety and affordability of housing in Louisiana's coastal areas, ultimately benefiting homeowners and the insurance market alike.