This bill amends the Michigan Insurance Code of 1956 by adding a new section, 2132, which mandates that insurers issuing home insurance policies must offer a fortified roof endorsement. This endorsement allows homeowners to upgrade their roofs to meet fortified standards if their property incurs damage that necessitates roof replacement due to covered events such as tornadoes or hail. The bill specifies that the endorsement must align with the fortified requirements for the property's geographic area and that it must be offered for any homeowner policy issued or renewed after December 31, 2027.

Additionally, insurers are required to submit their endorsement forms and rates for approval by the Department of Insurance by April 1, 2027. The bill defines "fortified" and "fortified roof" as trademarks owned by the Insurance Institute for Business and Home Safety. The enactment of this bill is contingent upon the passage of two other specified bills in the 103rd Legislature.

Statutes affected:
Senate Introduced Bill: 500.100, 500.8302