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.

Michigan Senate Bill 1130 requires home insurance companies to offer a fortified roof endorsement to policyholders whose roofs need replacement due to covered damage. If an insured purchases this endorsement and later suffers roof damage from a tornado, hail, or other catastrophic windstorm, the insurer must cover the reasonable additional cost of upgrading the new roof to meet specific fortified standards for that geographic area. This requirement applies to homeowner policies issued or renewed after December 31, 2027, and insurers must submit their endorsement forms and rates for state approval by April 1, 2027. The bill defines "fortified" as a trademark owned by the Insurance Institute for Business and Home Safety and only takes effect if two related House bills are also enacted.