HB 4532

relating to an endorsement for roof replacements to comply with
certain standards for residential property insurance.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
SECTION 1.  Subchapter B, Chapter 2301, Insurance Code, is
amended by adding Section 2301.059 to read as follows:
Sec. 2301.059.  MANDATORY OFFER OF ENDORSEMENT FOR ENHANCED
ROOF STANDARDS ON REPLACEMENT.  (a) This section applies to each
insurer authorized to engage in the business of residential
property insurance or residential fire and allied lines insurance
in this state, including a capital stock insurance company, mutual
insurance company, county mutual insurance company, Lloyd's plan,
and reciprocal or interinsurance exchange.
(b)  This section does not apply to:
(1)  the Texas Windstorm Insurance Association;
(2)  the FAIR Plan Association; or
(3)  a commercial insurance policy.
(c)  An insurer offering an insurance policy described by
Subsection (a) that includes replacement coverage for a roof shall
offer an endorsement providing that during a covered replacement of
the roof, the policy will provide coverage, subject to any
applicable deductions or policy provisions, to:
(1)  replace the roof to meet one or more fortified home
roof standards adopted by the Institute for Business and Home
Safety or a successor organization; or
(2)  replace the roof to meet another standard
submitted by the insurer and described by the policy.
(d)  The enhanced coverage described by Subsection (c)
applies only if an insured elects to purchase the endorsement
(e)  The endorsement described by Subsection (c) is subject
to an actuarially justified premium or rate charge. This subsection
does not require an insurer to charge an additional amount for the
(f)  The commissioner may adopt rules necessary to implement
this section. The rules may not set or suggest a premium or rate
SECTION 2.  Section 2301.059, Insurance Code, as added by
this Act, applies only to an insurance policy delivered, issued for
delivery, or renewed on or after January 1, 2026.
SECTION 3.  This Act takes effect September 1, 2025.