SB 1130: Insurance: property and casualty; fortified roof endorsement; require insurance companies to offer. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 2132.
SB 1130 status: Introduced — SENATE CO-SPONSOR(S) NAMED: STEPHANIE CHANG (updated Aug 26, 2026).
What this bill does
Overall score
Bill summary
OfficialInsurance: property and casualty; fortified roof endorsement; require insurance companies to offer. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 2132.. Currently in Senate.
Key analysis
Impact analysis
Environment
Benefits
- Encourages storm-resilient building standards
- Reduces resource waste from frequent roof damage
Risks
- No direct impact on environmental protection identified
Economy
Benefits
- Potential premium savings for homeowners
- Drives investment in durable home infrastructure
Risks
- Potential administrative costs for insurance providers
- Actuarial uncertainty regarding premium adjustments
Society
Benefits
- Increases home safety during severe weather events
- Provides consumers with broader risk management options
Risks
- No material downside for consumers identified
How trustworthy & consequential it is
Source
OpenStates
Confidence
lowlow
Analysis status
OpenStates summary
Requirement to offer an endorsement does not guarantee affordability for policyholders
Full bill text not provided for analysis
Where it stands
Introduced
CurrentSENATE CO-SPONSOR(S) NAMED: STEPHANIE CHANG
Committee
UpcomingFloor
UpcomingGovernor
UpcomingEnacted
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