Environment
Positive outlook
70%
Benefits
- Increases structural resilience to extreme weather
- Reduces debris and waste following climate-related disasters
Risks
- Potential environmental cost of construction materials for mitigation
StateMichiganIntroduced
SB 1128: Insurance: property and casualty; grants for certain properties to resist loss due to common weather-related perils; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding ch. 29A.
Mary Cavanagh
SB 1128 status: Introduced — SENATE CO-SPONSOR(S) NAMED: STEPHANIE CHANG (updated Aug 26, 2026).
Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
75OUT OF 100
Score:75/100 civic fit
Risk:Moderate Risk
Impact:Moderate Impact 60/100
Earlier scoring method. Reanalyze to use the sector calculation.
Constitutionality90%
Bipartisan50%
Public opinion70%
Bill summary
The bill establishes a state grant program for weather-resilient property upgrades, which could shift insurance costs and physical building standards for homeowners and businesses.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Positive outlook
65%
Benefits
- May reduce long-term property insurance premiums
- Promotes investment in building maintenance and durability
Risks
- Requires state funding allocation
- Risk of administrative overhead costs
Society
Positive outlook
70%
Benefits
- Enhances public safety by hardening residential infrastructure
- Reduces risk of resident displacement following weather events
Risks
- Potential for inequitable grant access based on property type
Technology Industry
Not scored in this analysis.
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Civic Accountability
Not scored in this analysis.
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Public Health & Safety
Not scored in this analysis.
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03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
Unclear criteria for grant distribution creates potential for inequitable access
Analysis scope
Analysis based solely on summary; full bill language not provided
04
Where it stands
Official record- IntroducedCurrent
- CommitteeUpcoming
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
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06
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