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    v1.0.28
    OpenPayerPolicy UpdatesAdministrative/Operational PolicyAlabama Department of Insurance FORTIFIED Roof Cov…
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    CurrentAlabama Department of InsurancePolicy N/A

    Implementation of FORTIFIED Roof™ Endorsement Law

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    Governs insurers writing single-family owner-occupied homeowners insurance in Alabama and requires offering a FORTIFIED Roof™ endorsement to upgrade non-FORTIFIED homes when roofing replacement follows a covered loss; includes timing and filing deadlines for endorsement rates and forms.

    Policy Summary
    PayerAlabama Department of Insurance
    PolicyImplementation of FORTIFIED Roof™ Endorsement Law
    Policy CodePolicy N/A
    Change TypeAdministrative implementation of statutory requirement
    Effective DateJan 1, 2020
    Next Review DateN/A
    Key ActionInsurers must offer a FORTIFIED Roof™ endorsement to upgrade non-FORTIFIED single-family owner-occupied homes on all new business and at first renewal in 2020 when a covered loss requires full roof covering replacement.
    SourceLink
    POLICY UPDATE CHANGES

    No material clinical or coverage changes in this revision.

    2020-01-01effective date for law/requirement
    Oct 1, 2019SERFF filing deadline
    new business + 1st renewaloffer timing
    single-family

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    targeted policy type

    FORTIFIED Roof Endorsement Criteria

    FORTIFIED Roof endorsement criteria

    Conditions under which the FORTIFIED Roof™ endorsement must be offered and when an upgrade qualifies:

    Insurers must offer the FORTIFIED Roof endorsement for single-family, owner-occupied homes (to upgrade a non-FORTIFIED home to IBHS FORTIFIED requirements).
    Timing: the endorsement must be offered on all new business and at the time of first renewal in 2020 for existing non-FORTIFIED homes.
    Triggering event for upgrade: the property incurs a covered loss with damage requiring the roof covering to be replaced; partial roof replacements do not qualify.
    Property standard at time of upgrade: the property must meet the IBHS FORTIFIED standard as identified in Section 27-31D-2 at the time of the upgrade.
    Premium/rate considerations: insurers should include the cost of the IBHS certification in calculating the rate for the endorsement.
    Offer presentation: the offer may be presented in a format determined by the insurer (insurer discretion on presentation format).
    Filing requirement: the FORTIFIED Roof endorsement rate and form must be submitted to the Department via SERFF no later than October 1, 2019.

    Filing, Rates, and Codes

    Rate & form filingmixed
    No codes listed
    SERFF filing deadline — inv-03: Submit FORTIFIED Roof endorsement rate and form via SERFF by October 1, 2019.
    SERFF submission deadlineSubmit FORTIFIED Roof endorsement rate and form via SERFF no later than October 1, 2019.
    What to submitEndorsement rate and form for the FORTIFIED Roof endorsement.
    Responsible partyInsurers writing homeowners (single-family, owner-occupied) insurance in Alabama.
    ReferenceBulletin 2019-06 — Implementation of FORTIFIED Roof™ Endorsement Law (Section 27-31D-2.1, Act 2019-240).

    Insurer Offering & Required Actions

    Prior Authorization

    Offer FORTIFIED Roof™ endorsement to eligible homeowners

    Insurers must offer an optional FORTIFIED Roof™ endorsement to upgrade non-FORTIFIED, single-family owner-occupied homes to the IBHS FORTIFIED standard when a covered loss requires full roof covering replacement. The endorsement must be offered on all new business and at the first renewal in 2020 for existing non-FORTIFIED homes; insurers may present the offer in a format of their choosing.

    • Applies when the property incurs a covered loss with damage requiring the roof covering to be replaced (partial replacements do not qualify).
    • Insurer should include the cost of IBHS certification when calculating the endorsement premium.
    • Endorsement offer must be made on all new business and at first renewal in 2020 for existing non-FORTIFIED homes.

    Key Definitions

    Definition — inv-05: FORTIFIED Roof endorsement
    TermFORTIFIED Roof endorsement
    DefinitionEndorsement offered to upgrade a non-FORTIFIED single-family, owner-occupied home to meet IBHS FORTIFIED standards when a covered loss necessitates roof covering replacement.
    When it appliesApplies when property incurs a covered loss with damage requiring full roof covering replacement (partial replacements do not qualify).
    Offer timingTo be offered on all new business and at first renewal in 2020 for existing non-FORTIFIED homes.
    Definition — inv-06: IBHS FORTIFIED standard requirements per Section 27-31D-2 of the Code
    StandardIBHS FORTIFIED standard as identified in Section 27-31D-2 of the Code.
    Policy Summary
    PayerAlabama Department of Insurance
    PolicyImplementation of FORTIFIED Roof™ Endorsement Law
    Policy CodePolicy N/A
    Change TypeAdministrative implementation of statutory requirement
    Effective DateJan 1, 2020
    Next Review DateN/A
    Key ActionInsurers must offer a FORTIFIED Roof™ endorsement to upgrade non-FORTIFIED single-family owner-occupied homes on all new business and at first renewal in 2020 when a covered loss requires full roof covering replacement.
    SourceLink
    On This Page
    FORTIFIED Roof Endorsement CriteriaFiling, Rates, and CodesInsurer Offering & Required ActionsKey Definitions
    Requirement timingProperty must meet the IBHS FORTIFIED standard at the time of the upgrade.
    Certification costInsurers should include the cost of the IBHS certification in calculating the endorsement rate.
    Governing lawNew Section 27-31D-2.1, Code of Alabama (Act 2019-240, HB 283).