Bill > A05874

This bill establishes the Strengthen Homes Program to help homeowners protect their properties against severe weather, particularly wind-related events like hurricanes and tornadoes. The program will provide financial grants to retrofit roofs to meet the "fortified roof standard" set by the Insurance Institute for Business and Home Safety, with priority given to lower-income homeowners and those in areas historically prone to catastrophic weather. Insurance companies will be required to offer premium discounts for properties that meet these upgraded standards. To receive a grant, homeowners must obtain necessary permits, comply with building codes, and work with certified contractors who meet specific qualifications, including being licensed, insured, and trained by the insurance institute. Contractors and evaluators are subject to strict conflict of interest rules, and the program is designed to be optional and funded through a combination of state appropriations and potential federal grants. The program is specifically targeted at owner-occupied, single-family primary residences and aims to reduce potential property damage and insurance costs by promoting more resilient home construction techniques.

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https://www.nysenate.gov/legislation/bills/2025/A5874