INSURERS: Requires insurers to provide a minimum twenty percent discount to insureds participating in the Louisiana Fortify Homes Program. (gov sig)

SB 222 requires Louisiana insurers to offer a minimum 20% discount to homeowners enrolled in the state's Fortify Homes Program, which helps residents strengthen properties against storms. The bill directly affects participating homeowners (who receive the discount) and insurers (who must provide it). Key provisions include a mandatory 20% discount, an appeals process for insurers unable to meet the rate (requiring them to submit proof to the commissioner), and a hearing option for affected parties if the commissioner rejects a proposed discount. The law aims to reduce insurance costs for participants in the Fortify Homes Program through enforceable rate reductions.