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New HampshireSB5622025-2026 Regular SessionSenateWALLET

relative to a home damage mitigation and resiliency program.

Sponsored By: Daryl Abbas (Republican)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

5 provisions identified: 1 benefits, 1 costs, 3 mixed.

Grants to harden low-income New Hampshire homes

The law creates a state grant program to help homeowners reduce storm damage. Low- and moderate-income owners can get up to $9,500 per residence per year. A home can receive only one grant in any three-year period. You must own a New Hampshire home and have gross household income at or below 60% of the New Hampshire state median income. Grant money must be spent on work that makes your home more resilient and easier to insure. New construction is not eligible.

Rules for contractors and evaluators

Contractors on funded jobs must be registered in New Hampshire, hold required licenses, and, for IBHS work, be IBHS‑certified. Carry at least $1,000,000 per‑occurrence and $2,000,000 aggregate liability insurance, $500,000 property damage coverage, and workers’ compensation as required. Contractors cannot have a financial interest beyond being paid and cannot also serve as the evaluator; subcontractors must meet the same rules. Evaluators must keep an active IBHS evaluator certificate, be registered in New Hampshire, keep contact info current, and stay independent from contractors and suppliers.

How to apply and get paid

Apply on the department’s form; incomplete applications are returned. The department sends a decision within 60 days after a complete review, but applications can be denied if money is not available. The website shows fund availability at least every three months; this does not promise funding. The department pays your contractor after the work is finished and required documents are filed. Non-IBHS projects need a signed contract, itemized invoice, and a sworn contractor affidavit; IBHS projects also need an IBHS interim report and a FORTIFIED roof or silver certificate. If the bill is higher than the grant, you pay the extra. You are responsible for any taxes you owe on the grant. Grants are first-come, first-served and meeting eligibility does not guarantee payment.

Two paths for mitigation projects

There are two ways to qualify projects. IBHS pathway: your home cannot have a dry‑stack or field‑stone foundation; you keep homeowner’s insurance unless you cannot get it until after work; you agree to meet an IBHS FORTIFIED roof or silver standard; an IBHS evaluator pre‑qualifies the home; you get bids from at least two IBHS‑certified contractors; and you get permits and pass inspections. Non‑IBHS pathway: the problem must threaten insurability, you show proof, use an eligible contractor, get permits, pass inspections, and keep homeowner’s insurance unless you cannot get it until after work.

Program funding, privacy, and oversight

The law creates a dedicated fund for this program and lets the department accept federal money, gifts, and donations. Money in the fund is not subject to state taxes and may be exempt from federal taxes as allowed. Applications and supporting papers are confidential, and sharing with regulators is allowed only if they keep it confidential. Each year the department publishes counts and amounts of grants, posts a list of money received for the fund by January 15, and keeps yearly accounts of receipts and spending. If a commissioner decision harms you, you can request a hearing. The commissioner may adopt rules to run the program. The state and department are not liable for acts tied to this program.

Sponsors & Cosponsors

Sponsor

  • Daryl Abbas

    Republican • Senate

Cosponsors

  • Bill M. Gannon

    Republican • Senate

  • Cindy Rosenwald

    Democratic • Senate

  • David H. Watters

    Democratic • Senate

  • Kevin A. Avard

    Republican • Senate

  • Sherman A. Packard

    Republican • House

  • Timothy Lang

    Republican • Senate

Roll Call Votes

No roll call votes available for this bill.

Actions Timeline

  1. Signed by the Governor on 07/02/2026; Chapter 265; Effective 08/31/2026

    7/9/2026Senate

  2. Enrolled (in recess of) 06/04/2026 HJ 15 P. 52

    6/23/2026House

  3. Enrolled Adopted, VV, (In recess 06/04/2026); SJ 14

    6/23/2026Senate

  4. Enrolled Bill Amendment # 2026-2135e Adopted, VV, (In recess of 06/04/2026); SJ 14

    6/10/2026Senate

  5. Enrolled Bill Amendment # 2026-2135e: AA VV (in recess of) 06/04/2026 HJ 15 P. 43

    6/10/2026House

  6. Ought to Pass: MA VV 05/14/2026 HJ 13 P. 5

    5/14/2026House

  7. Committee Report: Ought to Pass 04/29/2026 (Vote 15-0; CC) HC 19 P. 8

    5/1/2026House

  8. Executive Session: 04/29/2026 10:00 am GP 229

    4/22/2026House

  9. Subcommittee Work Session: 04/22/2026 01:15 pm GP 229

    4/16/2026House

  10. Public Hearing: 04/16/2026 10:00 am GP 229

    4/9/2026House

  11. Introduced (in recess of) 02/19/2026 and referred to Commerce and Consumer Affairs HJ 5 P. 126

    2/26/2026House

  12. Ought to Pass: MA, VV; OT3rdg; 02/19/2026; SJ 4

    2/9/2026Senate

  13. Committee Report: Ought to Pass, 02/19/2026; Vote 5-0; CC; SC 6

    2/9/2026Senate

  14. ==RECONVENE== Hearing: 02/03/2026, Room 100, SH, 09:45 am; SC 4

    1/27/2026Senate

  15. ==RECESSED== Hearing: 01/27/2026, Room 100, SH, 11:00 am; SC 1

    1/13/2026Senate

  16. Introduced 01/07/2026 and Referred to Commerce; SJ 1

    11/25/2025Senate

Bill Text

  • As Amended

    6/10/2026

    HTML

  • Enrolled

    6/10/2026

    HTML

  • Introduced

    11/25/2025

    PDF

  • CHAPTERED FINAL VERSION

    PDF

  • Version adopted by both bodies

    PDF

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