HB 4532
bill requiring an optional fortified roof add-on
Died in committee
Verdict: No flags
Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade
Caption
relating to an endorsement for roof replacements to comply with certain standards for residential property insurance.
Caption from analyzed text · version I.
Summary
Insurers covering roofs must offer it. The windstorm association is exempt.
The bill requires home insurers that cover roof replacement to offer an optional add-on that pays to rebuild a damaged roof to fortified roof standards or another standard the insurer names. It touches residential property insurers in Texas but leaves out the Texas Windstorm Insurance Association, the FAIR Plan Association, and commercial policies. Starting with policies issued or renewed on or after January 1, 2026, homeowners can choose to buy this add-on at a rate the insurer must justify, and the commissioner may not set that price.
Labels
Labels: NEVER GOT A HEARING. Filed Mar 12, 2025 and referred to the House Insurance committee. No public hearing. The bill died.
Receipt
The receipt
89R-HB4532 · 2025-03-12
SOLD BY
ITEM
relating to an endorsement for roof replacements to comply with certain standards for residential property insurance.
WHAT IT DOES
Insurers covering roofs must offer it. The windstorm association is exempt.
The bill requires home insurers that cover roof replacement to offer an optional add-on that pays to rebuild a damaged roof to fortified roof standards or another standard the insurer names. It touches residential property insurers in Texas but leaves out the Texas Windstorm Insurance Association, the FAIR Plan Association, and commercial policies. Starting with policies issued or renewed on or after January 1, 2026, homeowners can choose to buy this add-on at a rate the insurer must justify, and the commissioner may not set that price.
CHARGES
[ ] NONE FOUND
TOTAL
No fiscal note in the loaded record.
HISTORY
- Filed
- Read first time
- Referred to Insurance
FILED UNDER
No verified beat found.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
CAMPAIGN PAID FOR BY
Donors
Donors report through Friends of Tom Oliverson.
Not tied to this bill.
Sources
The author's campaign account only. Own money and internal transfers are separate on the member page.
Derived itemized flow · Oct 27, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.
Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.
MoneyMissing data does not establish zero giving. Display amounts are rounded.
Votes
No floor vote loaded for this bill.
Fiscal
No fiscal note in the loaded record.
How this was graded
Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.
Sources
Texas House · Filed Mar 12, 2025
04/03/2025 H Referred to Insurance: Apr 3 2025 12:38PM
Texas Legislature Online · Introduced
Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.
House committee · Insurance · Final status: Died in committee
Subjects
Insurance--Property & Casualty
BUILDING CONSTRUCTION
INSURANCE, COMMISSIONER OF
Text
The text as introduced · 349 words
89R15496 DNC-D By: Oliverson H.B. No. 4532 A BILL TO BE ENTITLED AN ACT 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 described by that subsection. (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 endorsement. (f) The commissioner may adopt rules necessary to implement this section. The rules may not set or suggest a premium or rate charge for the endorsement. 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.