Department of Insurance; Office of Risk and Resilience created; Strengthen Alabama Homes Program placed under office

SB 308 creates the Office of Risk and Resilience within Alabama's Department of Insurance and transfers the Strengthen Alabama Homes Program to this new office. The program helps homeowners retrofit homes to resist hurricane, tornado, or catastrophic windstorm damage by providing grants or funding for eligible projects, subject to local building codes and inspections. It relies on annual state appropriations, federal grants, or other funding sources - **not guaranteed state funding** - and requires all projects to secure necessary permits and undergo random reinspection. The bill does not create a state obligation to fund the program or guarantee assistance to property owners.