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Committee votes to double fortified‑roof retrofitting deduction to $10,000
Summary
House Bill 145 would raise the construction code retrofitting deduction from $5,000 to $10,000 and expand it for fortified‑roof compliance; the committee reported the bill favorably after testimony from the insurance commissioner.
House Bill 145, carried by Representative Wilder, would increase the tax deduction available for retrofitting residential structures to meet fortified‑roof standards from $5,000 to $10,000 and extend the deduction to costs associated with compliance with fortified‑home standards.
Representative Wilder described the bill as a straightforward incentive to encourage homeowners to replace or upgrade roofs to fortified standards. Insurance Commissioner Tim Temple told the committee that Alabama’s long‑running fortified program includes a $10,000 tax deduction and that increased fortified‑roof penetration can reduce insurance and reinsurance costs across a wider geographic footprint. He also noted insurers provide discounts for wind mitigation features and that a wind mitigation survey can document specific credits for an individual policyholder; legislation effective May 1, 2025 requires insurers to list credits and discounts on policies issued or renewed after that date.
Representative Wilder moved to report the bill favorably; the committee approved the motion by voice and the bill was reported favorably.
Why it matters: supporters said increasing the deduction would encourage homeowners to invest in fortified roofs, potentially lowering insurance costs and improving community resilience. Committee testimony tied the deduction to ongoing grant programs and a plan to make fortification funding more permanent.
