Video & Transcript Research : 'fortified roofs'
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LA
Louisiana 2026 Regular Session
Commerce, Consumer Protection and International Affairs May 6th, 2026
Commerce, Consumer Protection, and International Affairs
Keywords:
roof standards, construction code, residential property, fortified roofs, insurance, medical debt, interest rate, healthcare services, consumer protection, debt collection, Louisiana Medical Debt Protection Act, child exploitation, online reporting, platforms, cyber crime, PROTECT Act, automatic renewal, cancellation policy, subscription service, transparency
LA
Transcript Highlights:
- And those would be mandates on fortified roofs.
- the fortified Because the difference between the standard roofing code and the fortified roof code,
- Amendments 3 and 5 change references from the fortified brand to fortified roof.
- well as the fortified roofs.
- fortified roof.
Keywords:
building codes, construction standards, state uniform construction code, local option, municipal ordinance, parish ordinance, resilient construction, FORTIFIED Home, IBHS, Insurance Institute for Business & Home Safety, hurricane resistance, storm resilience, roof replacement, residential construction, certificate of occupancy, code enforcement, building resilience, home hardening, wind mitigation, residential roof
AL
Alabama 2025 Regular Session
Alabama House Fiscal Responsibility Committee Feb 19th, 2025
Fiscal Responsibility
Keywords:
athlete agents, commission, state regulation, Alabama, higher education, athletics, membership diversity, catastrophe savings account, catastrophe fund, storm savings, disaster savings, hurricane, windstorm, floodwaters, hail, tornado, property insurance, homeowners insurance, insurance deductible, FORTIFIED
AL
Alabama 2025 Regular Session
Alabama House Fiscal Responsibility Committee Mar 19th, 2025
Fiscal Responsibility
Keywords:
business regulation, nonprofit entities, electronic filing, merger agreements, limited liability companies, partnerships, property transfer, termination fees, HB140, private sewer systems, wastewater utilities, Public Service Commission, PSC jurisdiction, utility regulation, rate setting, rate consolidation, affiliated systems, common ownership, private utilities, sewer rates
HI
Bills:
HB1739, HB1741, HB2606, HB2362, HB2608, HB2294, HB2431, HB2375, HB2582, HB2585, HB2231, HB1601, HB2424, HB1956
Keywords:
transit-oriented development, zoning, land use, urban planning, density, local governance, housing, inclusionary zoning, inclusionary mandate, affordable housing, below-market-rate housing, inclusionary housing, development exaction, impact fee, housing affordability impact fee, needs assessment study, financial feasibility, rough proportionality, essential nexus, county ordinance
Summary:
The committee on Water and Land met on February 19, 2026, and the chair opened by emphasizing strict time limits and that all bills would be deferred if the agenda was not completed before the noon session. The first major measure discussed was HB 1739 HD1, which would preempt county land-use authority in transit-oriented development areas. The Department of Planning supported the bill, saying it could promote state-funded TOD and infrastructure, while the city and county’s position was raised in questioning. Unite Here Local 5 opposed the bill, arguing it would strip counties of self-determination, disrupt state-county policy collaboration, and remove a check on unrestrained development. Committee members pressed the supporters on whether the bill was really about higher density and whether it would override local zoning and sustainability concerns.
The committee then heard testimony on HB 1741 HD1, a housing bill described by supporters as reducing inclusionary housing mandates and increasing supply. Grassroots Institute of Hawaii argued affordability mandates reduce overall housing production and raise market-rate prices, while a Zoom testifier said the bill would improve housing stability, health, and community outcomes for working families, kupuna, and young residents. Members asked about the bill’s needs assessment and who would conduct it, with a witness saying the counties would likely contract it out but that the bill did not clearly specify the reviewer.
HB 2668 HD1, dealing with water heating systems, drew testimony from the Hawaii State Energy Office and industry representatives. Supporters generally backed adding heat pumps to the law, but one solar-water-heater industry witness asked for amendments to remove or extend the current 15-year statutory life limit for solar water heaters and to update outdated standards and variance rules. A Kauaʻi Climate Action Coalition witness opposed the existing solar-only structure, arguing heat pump water heaters are cheaper, align with climate goals, and should be allowed without a variance. The Energy Office said the current law already allows variances in some cases, suggested adding high-efficiency heat pump water heaters to the exemption, and said the 15-year figure may be too short, with 18 years mentioned as a possible alternative. The committee also briefly moved through several other bills, including HB 2606 HD1 on off-site construction and HB 2362 HD1 on housing, with no notable testimony or action recorded in the excerpt.
LA
Bills:
HB241, HB267, HB467, HB673, HB744, HB798, HB1026, HB1027, HB1091, HB1096, HB1103, HB1212, HB1230
Keywords:
financial records, consumer protection, banking law, disclosure, service of process, home inspectors, board membership, licensing, term limits, Louisiana State Board, residential roof, coastal zone, fortified roof, building standards, construction code, insurance, hurricane resilience, safety, security cameras, abandoned property
LA
Louisiana 2026 Regular Session
Commerce Apr 7th, 2026
Commerce, Consumer Protection, and International Affairs
Transcript Highlights:
- Amendments 3 and 5 change references from the fortified brand to fortified roof.
- well as the fortified roofs.
- I find that fascinating because a fortified roof, in...
- pay for the fortified roof designation, or you could just have the construction of a fortified roof
- Fortified roofs are only certified for five years.
Summary:
The committee met on April 7, 2026, and first handled several fire marshal-related bills. HB 917, a licensing and regulatory cleanup for life safety and property protection work, was amended with technical changes and reported favorably. HB 565 clarified that the State Fire Marshal, rather than local authorities, would handle fire safety inspections for early learning and child daycare centers; members adopted an amendment limiting the standards to state or federal codes and addressing ventilation and suppression requirements for small facilities, and the bill was reported favorably with amendments.
The committee then took up HB 937, which would shift amusement ride setup inspections back to the State Fire Marshal, require licensing and insurance for rides and inspectors, and repeal provisions related to inflatable amusement devices. The author and fire marshal cited a serious festival ride accident in Pointe Coupee Parish as the impetus, and members discussed inspection timing, insurance costs, and whether background checks or public inspection certificates should be required. After technical and agreed-upon amendments, the bill was reported favorably.
HB 799, a boiler inspection consolidation bill, was presented as a cleanup measure that would centralize boiler regulation under the fire marshal and rely on licensed inspectors meeting national standards. Stakeholders from industry and the fire marshal’s office described it as an efficiency and safety measure, and the committee adopted a substantive amendment on shutdown procedures and licensing details before reporting the bill favorably. HB 461, which would have allowed parishes and municipalities to adopt fortified roof standards, drew extensive testimony both for and against; supporters argued it could improve resilience and lower insurance costs, while opponents warned it would undermine Louisiana’s uniform building code, add cost, and create inconsistency. The author ultimately moved to voluntarily defer the bill.
Finally, the committee began HB 977, a bill on minors’ use of applications that would require age verification, parental consent, and app store/developer safeguards. An amendment clarified definitions, consent rules, data-sharing limits, and a good-faith compliance defense. Members raised concerns about the 45-day cure period, the lack of a private right of action, and whether app stores would become gatekeepers, but the bill remained pending at the end of the excerpt.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 4/15/26
Commerce Finance and Policy
Transcript Highlights:
- They're clearly not putting on a good roof. We need him to have a fortified roofs.
- We're spending all this money on fortified roofs.
- So by putting a fortified roof on this, and this is just—you can tell me yes or no—so by putting a fortified
- And so that’s the fortified roof discount.
- And I want to emphasize it’s fortified roofs, not fortified shingles, because there are a few other elements—not
Keywords:
healthcare, insurance, regulation, financial institutions, prescription drug affordability, consumer protection, restitution account, financial compensation, attorney general, distributions, property insurance, homeowners insurance, fire and allied lines, hail insurance, appraisal clause, loss adjustment, alternative dispute resolution, insurance claims, claim valuation, actual cash value
MN
Minnesota 2025-2026 Regular Session
Task Force on Homeowners and Commercial Property Insurance 12/16/25
Minnesota House Floor Meeting
Transcript Highlights:
- </c><00:54:12.160><c> roofs</c> about 17% of all of the fortified roofs about 17% of all of the fortified
- </c><00:56:58.799><c> roofs</c> workforce to do uh fortified roofs workforce to do uh fortified roofs
- </c> start working on fortified roofs? start working on fortified roofs?
- the grant program the delta between the cost of doing a regular roof and a fortified roof.
- </c><01:37:37.440><c> roofs</c> increase the number of fortified roofs increase the number of fortified
Summary:
The task force approved the minutes from the previous meeting and then reviewed the structure and statutory requirements for its final report. Staff explained that the report must go to the commissioners of commerce, housing finance, and economic development, as well as relevant legislative leaders, and must include a summary of task force activities, adopted findings and recommendations, tort reform recommendations to reduce insurance costs, any draft legislation, and other necessary information. A draft report, likely excluding recommendations and draft legislation, is expected to be circulated before the first January meeting.
Most of the meeting focused on the Fair Plan and whether it could be expanded to help homeowners associations, affordable housing, and common interest communities that are struggling to obtain coverage. Supporters said these groups are facing availability problems and often end up in the surplus lines market, which lacks the consumer protections of the admitted market. They argued the Fair Plan could serve as a third-market option with stronger protections and better access, especially for properties that are having difficulty getting quotes.
Several members and witnesses raised concerns that the Fair Plan was never intended to be a broad affordability solution and warned against using it to artificially lower prices below risk-based levels. They said doing so could shift losses onto other policyholders through assessments and potentially weaken the broader insurance market. The Fair Plan administrator explained that any expansion would require substantial research, staffing, actuarial and underwriting expertise, reinsurance planning, IT changes, and likely assessments or other capitalization decisions, and that the plan would need to focus on a limited subset of properties rather than the entire market. No votes were taken on policy recommendations, and the discussion ended with agreement that more information and scoping work are needed before any formal recommendation is made.
FL
Transcript Highlights:
- is recognition of various roof types, especially metal roofs, as a hardening effort.
- IBHS's Fortified program, a voluntary new construction re-roofing standard to strengthen roofs and homes
- IBHS's Fortified program, a voluntary new construction re-roofing standard to strengthen roofs and homes
- We often think of roof damage amplification when that roof fails and there is not a sealed roof deck
- They would have said, look, it's $40,000 for the asphalt shingle roof. It's a 30-year roof.
Summary:
The Banking and Insurance Committee heard a series of presentations focused on mitigation, flood and wind resilience, and insurance discounts. Kevin Guthrie of the Florida Division of Emergency Management outlined several funding streams for mitigation, including federal Hazard Mitigation Grant Program dollars, BRIC grants, flood mitigation assistance, and the state hurricane loss mitigation program. He emphasized the new Elevate Florida initiative, which will use about $400 million initially to elevate or reconstruct flood-prone homes, starting with National Flood Insurance Program properties and severe repetitive-loss homes, with no current per-home cap. Guthrie said the state will contract directly with licensed vendors and aims to reduce future flood losses, lower insurance costs, and keep properties on the tax rolls rather than relying on buyouts.
Insurance Commissioner Mike Yaworski described Florida’s windstorm mitigation discount program, explaining that the 1802 inspection form is used to assess a home’s overall “envelope” and determine statutory discounts. He said the office is updating the program based on a new wind loss study, with likely changes including greater recognition of roof types such as metal roofs and possible territorial risk adjustments. He also said the Legislature now requires the office to revisit the study every five years. Stephen Fielder of the Department of Financial Services reported on My Safe Florida Home, noting that the program offers inspections and grants for roof and opening protections, has completed more than 100,000 inspections, and has reimbursed hundreds of millions of dollars. He said the department has validated its discount calculations with insurers and that the program is intended to help homeowners reduce premiums through verified mitigation work.
Michael Newman of the Insurance Institute for Business and Home Safety said Florida’s building code is nationally leading and that post-Ian surveys found no wind-driven structural damage in buildings built after adoption of the code. He argued that mitigation should be treated as a system, not isolated upgrades, and suggested adding Fortified designation to the state’s mitigation form to better document verified resilience improvements. Bill Truex, a county commissioner and builder, stressed the need to educate homeowners about floodproofing and roof choices, citing examples where flood panels prevented damage and noting that asphalt shingles often do not last as long in Florida as their marketing suggests. In panel discussion, senators asked about program eligibility, outreach to elderly and digitally challenged residents, contractor vetting, roof-life disclosures, and whether flood insurance should be more broadly required. Officials said outreach will include call centers and in-person assistance, and several participants urged better consumer disclosure and more data-driven guidance on roof and mitigation choices.
TX
Transcript Highlights:
- What I'm trying to do is make it so that the cost to upgrade your roof to a fortified standard, if you're
- Do a fortified standard roof instead of just getting what you had.
- Larkinson mentioned, in that area, they now have 40,000 homes with fortified roofs because it has primed
- When you're replacing a roof, having an endorsement says, "Hey, we'll upgrade you to a fortified..."
- Replacing the roof.
Bills:
HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689
Keywords:
credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes
AL
Alabama 2025 Regular Session
Alabama House County and Municipal Government Committee Feb 26th, 2025
County and Municipal Government
Transcript Highlights:
- Stamp you get it fortified bronze, and that's where the majority of the requirements relate to the roof
- style roof.
- A fortified style roof has a water barrier under the shingles, so the house stays dry when the shingles
- Resistant windows and basically a new fortified roof, so you get a 35% discount.
- The only place I have fortified my roof is under the LeBron standard that is on that certificate, which
TX
Transcript Highlights:
- more than roofs.
- What I'm trying to do is make it so that the cost to upgrade your roof to a fortified standard if you're
- And you want to upgrade to a fortified standard roof instead of just getting what you had.
- the fortified building.
- When you're replacing a roof, having an endorsement says, hey, we'll upgrade you to a fortified if you
FL
Florida 2025 Regular Session
Banking and Insurance Feb 4th, 2025
Transcript Highlights:
- THE LONG STANDING RESEARCH INTO ROOFS HAS LED TO THE CONCLUSION THAT ASPHALT SHINGLE THE SHINGLE ROOF
- IB HS FORTIFIED PROGRAM IS A VOLUNTARY NEW CONSTRUCTION RETHINK STANDARD TO STRENGTHEN ROOFS AND HOME
- WERE TALKING ABOUT IS IN FLORIDA WE THINK ABOUT ROOF DAMAGE AMPLE KICK THE ROOF FAILS.
- OFF OF THE ROOF OF THE TRUSSES.
- VALUE FOR THE ROOF.
LA
Transcript Highlights:
- program, how many roofs we've got fortified now?
- program, how many, how many roofs we've got fortified now?
- Fortified roofs have been awarded and over 4,400 of those are actually roofs on homes.
- Listen, I carried the fortified roof bill last year. I'm very proud of that bill.
- Does it only go to fund the Fortified Roof Program?
Summary:
The House Insurance Committee met on April 23 with a quorum present and first deferred HB 1142. The committee then heard HB 1187, which would direct any excess Louisiana Citizens emergency assessment funds, after related debt is paid, toward the Louisiana Fortified Homes Program or future Citizens debt. Representative Sawyer and Commissioner Tim Temple said the bill would likely redirect about $50 million in one-time surplus funds and would help expand a popular roof-mitigation program that has already awarded more than 4,600 fortified roofs. The bill drew support from several witnesses and was reported as amended without objection.
Next, HB 1210, dealing with insurance claim disputes and a pre-suit review process for Louisiana Citizens claims, was discussed. Representative Dana Henry said he was voluntarily deferring the bill and instead pursuing a study resolution after hearing concerns from members and stakeholders. Department and Citizens officials said the proposal was modeled on Florida’s process and could help resolve disputes faster and cheaper, but the bill was ultimately voluntarily deferred after testimony and some opposition cards were noted.
The committee then took up HB 1199, which requires coverage for genetic testing and treatment related to SCN2A-associated disorders. Representative Jordan and the Diedon family gave emotional testimony about their daughter Emily’s diagnosis and the importance of timely genetic testing. The bill was amended to require that testing be ordered by a provider and deemed medically necessary by the health plan, with discussion about whether a neurologist should be involved; members said that issue could be refined later. HB 1199 was reported as amended.
Finally, the committee considered HB 880, the Louisiana Artificial Intelligence Insurance Fairness Act, which would regulate AI use in underwriting, rating, and claims. After a lengthy discussion about state insurance regulation, McCarran-Ferguson, and concerns that the bill could jeopardize federal broadband funding, Representative Jordan voluntarily deferred HB 880, and HB 920 was also deferred. The committee then heard HB 1221, which would limit the policy data collected for the Louisiana Fortified Program Fund. Former Representative Bowler argued the bill was needed to protect policyholder privacy, while the Department of Insurance and Commissioner Temple said the data is needed for surplus-lines premium tax audits, fraud detection, and consumer assistance after disasters. The discussion continued with questions about what data would be visible and how it would be used, but the transcript ends before a final action on HB 1221 is shown.
MO
TX
LA
Transcript Highlights:
- How many roofs have we got fortified now? Because I know it's been tremendously successful.
- Fortified roofs have been awarded and over 4,400 of those are actually roofs on homes.
- Listen, I carried the fortified roof bill last year. I'm very proud of that bill.
- Every day that we get a fortified roof on is better for that homeowner and for the state.
- Does it only go to fund the Fortified Roof Program?
MO
Transcript Highlights:
- The stronger homes program, the fortified roofs that is in the bill, in working with stakeholders, it
- IBHS roof, fortified roof standards.
- roof program.
- roof program.
- We have a specific issue with regard to the, what is it, the fortified roofing standard.
Summary:
The Insurance Committee held public hearings on House Bill 3328 and House Bill 23-24. HB 3328, presented by Rep. Castile, would redirect insurance dedicated fund transfers into a Missouri Stronger Homes Fund, create a Missouri Disaster Mediation Act for disaster-related property claim disputes, update public adjuster and fraud provisions, add consumer notices, and establish stronger-home/fortified-roof grant programs. Committee members and witnesses discussed the bill’s scope, the role of public adjusters, the new mediation process, roof-hardening standards, and how the fund would be used. Department of Commerce and Insurance staff said a committee substitute was being developed, including removal of a proposed 10% cap on public adjuster commissions and revisions to the roof standards and mutual-company language. Support came from the department, the Missouri Insurance Coalition, NAMIC, and the National Insurance Crime Bureau; opposition came from the public adjusters association and CertainTeed, mainly over the commission cap and roof-standard language.
Witnesses generally supported the bill’s consumer-protection and mitigation goals, but several noted technical changes still needed. The department said the dedicated fund is made up of insurer fees and that the mediation program would be available only during declared emergencies, though benchmarks for ending it were still being considered. Supporters said fortified roofs can reduce claims and losses, while opponents asked for carve-outs or clarification for mutual insurers and shingle manufacturers. The bill also drew support for its assignment-of-benefits ban and anti-fraud provisions, with one witness citing a Missouri case involving alleged contractor abuse after storms.
The committee then heard HB 23-24, which would restrict the sharing of vehicle driving data and telematics information with insurers without express written consent. Rep. Lucas framed the bill as a privacy measure aimed at stopping companies like OnStar from selling driving data to insurers. Opposition witnesses from the Missouri Insurance Coalition and NAMIC said the bill would likely not address the OnStar issue as intended, but would instead interfere with voluntary insurer telematics discount programs and create administrative costs and pricing mismatches. They noted that telematics programs are generally opt-in, that insurers are already subject to federal and state data rules, and that the bill could affect premiums if drivers opt in briefly and later change behavior. No votes were taken on either bill, and both hearings were closed without further action.
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Apr 30th, 2025
Transcript Highlights:
- Sally was the first hurricane to go over the tops of a critical mass of the fortified roofs.
- From this study, we have learned that the IBHS-certified fortified roofs not only performed as advertised
- In fact, we also found that most of the claims on the fortified roofs were not about wind blowing the
- So the fortified roofs held. Let me also emphasize that this is a multi-year program.
- roofs for windstorms.
Summary:
The Assembly Insurance Committee met to consider several bills focused on California’s insurance market, wildfire resilience, and consumer protections. AB 888, the California Safe Homes Act, was heard first. Insurance Commissioner Ricardo Lara and Alabama Insurance Commissioner Mark Fowler testified in support, describing state grant programs that help homeowners harden roofs and create defensible space, with the goal of reducing losses and improving insurance affordability and availability. Supporters from the insurance industry, local government, and the Rebuild Paradise Foundation also backed the bill, and committee members emphasized the need for more incentives for mitigation. The bill passed the committee on a do pass motion and was sent to Appropriations.
AB 290, by Assemblymember Bauer-Kahan, would require the FAIR Plan to offer automatic payments and address non-renewal grace-period issues. The author described her own experience being forced onto the FAIR Plan and facing a large premium increase, while Consumer Federation of California called the bill common-sense consumer protection. The FAIR Plan opposed unless amended, saying it was already handling major wildfire claims and other operational demands and requested more time and changes to the non-renewal grace-period language. Members across the committee supported the bill as a needed modernization measure, and it passed as amended to Appropriations.
AB 1339, by Assemblymember Gonzalez, would direct the Department of Insurance to study insurance availability and pricing for affordable housing providers and report policy recommendations. Supporters from affordable housing organizations said rising premiums were forcing providers to cut services, defer maintenance, and use reserves, threatening housing stability for low-income residents. The bill passed as amended to Appropriations. AB 646, by Assemblymember Wallace, also passed to Appropriations; it concerns disclosure related to motor vehicle protection products and catalytic converter theft deterrence, with support from auto dealers and industry groups. The committee also approved AB 1531 on consent. Members later added on to the record in support of the bills, and the hearing concluded without recorded opposition votes on the measures that advanced.