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MississippiSB 24092026 Regular SessionSenateWALLET

Mississippi Department of Insurance; establish comprehensive mitigation program for retrofitting insurable homes.

Sponsored By: J. Walter Michel (Republican)

Signed by Governor

InsuranceAccountability, Efficiency, Transparency

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 1 costs, 0 mixed.

Homeowners can get roof retrofit grants

The law creates grants of up to $10,000 for eligible owner-occupied, single-family homes. The home must be in good repair, insured for windstorm loss, and have flood insurance if it is in a Special Flood Hazard Area. A qualified evaluator must inspect the completed retrofit, and the homeowner must receive a FORTIFIED certificate. Applicants use an online portal and are selected by lottery or another department method; grants depend on available funds. The program is no longer scheduled to end after July 1, 2028. Program administration and grant issuance are generally limited to 5% of yearly fund deposits, though fees for handling certain other funding sources are exempt from that cap.

Insurance agents pay higher filing fees

Insurance agents pay $50 to file and process a certificate of authority, up from $25. Beginning July 1, 2026, $25 of each fee goes to the State General Fund and $25 goes to the home-retrofit grant fund. The law does not say whether agents pass this cost on to insurance customers.

Sponsors & Cosponsors

Sponsor

  • J. Walter Michel

    Republican • Senate

Cosponsors

  • Joel R.Carter, Jr.

    Republican • Senate

  • Scott DeLano

    Republican • Senate

  • Jeremy England

    Republican • Senate

  • Dean Kirby

    Republican • Senate

  • Joseph M. Seymour

    Republican • Senate

  • Mike Thompson

    Republican • Senate

  • Charles Younger

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 341 • No: 1

House vote • 4/1/2026

Conference Report Adopted

Yes: 121 • No: 0

Senate vote • 4/1/2026

Conference Report Adopted

Yes: 52 • No: 0

House vote • 3/4/2026

Passed As Amended

Yes: 116 • No: 1

Senate vote • 2/10/2026

Passed

Yes: 52 • No: 0

Actions Timeline

  1. Approved by Governor

    4/9/2026legislature

  2. Enrolled Bill Signed

    4/6/2026House

  3. Enrolled Bill Signed

    4/6/2026Senate

  4. Unanimous Consent Granted

    4/1/2026Senate

  5. Conference Report Adopted

    4/1/2026Senate

  6. Conference Report Adopted

    4/1/2026House

  7. Unanimous Consent Granted

    4/1/2026House

  8. Conference Report Filed

    3/31/2026Senate

  9. Conference Report Filed

    3/31/2026House

  10. Recommitted For Further Conf

    3/31/2026House

  11. Recommitted For Further Conf

    3/31/2026Senate

  12. Conference Report Filed

    3/30/2026House

  13. Conference Report Filed

    3/30/2026Senate

  14. Conferees Named Turner,Ford (54th),Zuber

    3/19/2026House

  15. Conferees Named Michel,DeLano,Kirby

    3/17/2026Senate

  16. Decline to Concur/Invite Conf

    3/11/2026Senate

  17. Returned For Concurrence

    3/5/2026House

  18. Passed As Amended

    3/4/2026House

  19. Amended

    3/4/2026House

  20. Title Suff Do Pass As Amended

    3/3/2026House

  21. DR - TSDPAA: AC To IN

    3/3/2026House

  22. DR - TSDPAA: IN To AC

    3/3/2026House

  23. Referred To Insurance;Accountability, Efficiency, Transparency

    2/13/2026House

  24. Transmitted To House

    2/11/2026Senate

  25. Passed

    2/10/2026Senate

Bill Text

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