Bill > S07265

This bill establishes the Strengthen Homes Program to help homeowners protect their properties against severe weather by providing roof retrofitting grants and insurance incentives. The program, administered by the superintendent of financial services, will offer financial grants to homeowners to retrofit roofs to meet the Insurance Institute for Business and Home Safety's fortified roof standard, with priority given to lower-income applicants and those in areas prone to catastrophic weather events. Homeowners must obtain necessary permits, comply with building codes, and maintain proper documentation to receive grants. Contractors working on these projects must meet specific eligibility requirements, including licensing, insurance, and certification. Insurance companies will be required to provide premium discounts for properties that meet the fortified roof standard, with the discount being actuarially justified. The bill also creates a Strengthen Homes Program Fund to collect and manage grants and funds for the program. Contractors and evaluators must meet strict criteria to participate, including maintaining certifications, avoiding conflicts of interest, and following program rules. Importantly, the bill does not create an entitlement for property owners to receive funding and is subject to the availability of federal or other grants.

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https://www.nysenate.gov/legislation/bills/2025/S7265