The bill establishes the Oklahoma Commercial FORTIFIED Roof Program within the Insurance Department, aimed at promoting the voluntary construction, retrofitting, and certification of commercial roofing systems that adhere to enhanced wind and hail resilience standards. The program will utilize the FORTIFIED Commercial standards set by the Insurance Institute for Business and Home Safety (IBHS) or similar standards approved by the Insurance Commissioner, who has the authority to approve alternative standards as needed. Eligible structures for the program include various types of commercial and residential buildings, and the Department may provide grants or rebates for qualifying roof upgrades, partner with insurers for premium incentives, and coordinate with resilience and disaster-preparedness programs.

Participation in the program is voluntary and does not guarantee funding or mandate any actions from property owners regarding roof retrofitting or insurance premium adjustments. The bill also requires the Commissioner to create necessary rules for the program's implementation. The act is set to take effect on November 1, 2026.