(1) An insurance company writing property insurance for personal risks that provides coverage of a single-family dwelling located in this state that is a non-FORTIFIED dwelling shall offer an optional rider, endorsement, or supplemental policy provision that provides the insured a right to receive claim payments for the cost to upgrade a single-family dwelling for a claim that:(1) Is covered under the insurance policy or contract; and(2) Requires replacement of the covered insured dwelling's roof as defined by the insurance policy or contract.
(1) Is covered under the insurance policy or contract; and
(2) Requires replacement of the covered insured dwelling's roof as defined by the insurance policy or contract.