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.
Key claim: SB1130 would require Michigan property and casualty insurers to offer a fortified roof endorsement.
Abstract
(SB1130 · 103rd Legislature) 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. Sponsor: Sen. Mary Cavanagh (D) In committee: S Finance, Insurance, And Consumer Protection Latest action (2026-07-29): Referred To Committee On Finance, Insurance, And Consumer Protection
Why this matters
For Michigan ratepayers and homeowners, a mandated fortified roof endorsement would create a standardized insurance product tied to stronger roof construction standards, potentially lowering losses from severe weather. For insurers, it adds a required offering (though not necessarily a required purchase) and links the P&C market more explicitly to climate-resilience policy, complementing state weather-peril mitigation efforts.