Michigan SB1130 requires insurance companies to offer a fortified roof endorsement for home insurance policies.
Michigan SB1130 amends the insurance code to mandate that insurance companies offer a fortified roof endorsement for home insurance policies. This endorsement allows for upgrading a property to a fortified roof standard if the property incurs damage requiring roof replacement. The endorsement must meet fortified requirements specific to the geographic area. Insurers must file their endorsement forms and rates with the department for approval by April 1, 2027. The requirement applies to any homeowner policy issued or renewed after December 31, 2027.
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