Relating to an endorsement for roof replacements to comply with certain standards for residential property insurance.

HB 4532 requires residential property and fire insurance companies in Texas to offer homeowners an optional insurance endorsement. This endorsement would cover roof replacements meeting specific safety standards, such as those from the Institute for Business and Home Safety, or another standard clearly described in the policy. Homeowners must choose to purchase this endorsement separately, and insurers may charge an actuarially justified additional premium for it. The requirement applies only to policies delivered, issued, or renewed on or after January 1, 2026. It does not apply to Texas Windstorm Insurance Association, FAIR Plan, or commercial policies.