Environment
Positive outlook
60%
Benefits
- Encourages storm-resilient building standards
- Reduces resource waste from frequent roof damage
Risks
- No direct impact on environmental protection identified
StateMichiganIntroduced
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.
Mary Cavanagh
SB 1130 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:Low Risk
Impact:Moderate Impact 50/100
Earlier scoring method. Reanalyze to use the sector calculation.
Constitutionality90%
Bipartisan50%
Public opinion70%
Bill summary
The bill mandates an expansion of property insurance policy offerings, impacting insurers and homeowners throughout Michigan.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Mixed / Neutral
55%
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
Positive outlook
60%
Benefits
- Increases home safety during severe weather events
- Provides consumers with broader risk management options
Risks
- No material downside for consumers identified
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
Requirement to offer an endorsement does not guarantee affordability for policyholders
Analysis scope
Full bill text not provided for analysis
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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