HB 759 Louisiana House · 2026 Regular Session

INSURANCE/PROPERTY: Provides relative to fortified roof endorsement offers

HB 759 requires Louisiana homeowners' insurers to offer a roof upgrade endorsement that meets Insurance Institute for Business and Home Safety (IBHS) fortified standards whenever a homeowner needs a roof replacement due to covered damage. It directly affects homeowners with nonfortified roofs in Louisiana who require roof repairs or replacements under their insurance policy. Insurers must provide this offer at new policy issuance or the first renewal after December 31, 2023, and file endorsement forms with the state by October 1, 2023. If a home isn’t eligible for retrofitting, insurers must refund premiums paid for the endorsement. The law does not restrict offers based on roof age but allows age/condition to influence the endorsement’s price.

Bill status passed 3 of 5 stages cleared

Introduction

Feb 2026

Committee Review

Apr 2026

House Passage

Mar 2026

Senate Passage

Governor

Introduced Feb 27, 2026 Last action May 11, 2026

Maddy AI version diff · 1 comparison

What changed between versions

HB759 Original → HB759 Engrossed · 3 edits · Mar 30, 2026

MINOR

The bill clarifies that the mandatory offer of fortified roof endorsements applies only to homes with roofs installed within the last 10 years, rather than all nonfortified homes. It also removes the requirement for individual insurance agents to file forms, restricting the obligation to authorized insurers. Additionally, the filing deadline for endorsement forms was changed from October 1, 2023 to October 1, 2026.

Scope change

The bill narrows the scope of mandatory offers to residential structures with roofs installed within ten years of the policy date, while explicitly allowing insurers to voluntarily offer endorsements for older roofs.

ELIGIBILITY

Mandatory endorsement offers now apply only to homes with roofs installed within the last 10 years, whereas previously they applied to all nonfortified homes.

REQUIREMENT

The requirement for individual insurance producers or agents to file endorsement forms was removed; the obligation now applies only to authorized insurers.

TIMELINE

The deadline for insurers to file endorsement forms and rates was updated from October 1, 2023 to October 1, 2026.

Floor votes · House Mar 30, 2026

How they voted

97–0

Passed · 8 other

Total votes 105

Mar 30, 2026

D Democratic33

30 Yea 3

90% Yea

R Republican72

67 Yea 5

93% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Apr 27, 2026

Committee

Committee amendments read and adopted. Read by title and referred to the Legislative Bureau.

upper

Apr 22, 2026

Upper · Passed

Reported with amendments.

upper

Mar 30, 2026

Lower · Passed

Read third time by title, roll called on final passage, yeas 97, nays 0. Finally passed, title adopted, ordered to the Senate.

lower

Mar 24, 2026

Lower · Passed

Reported with amendments (13-0).

lower

Mar 9, 2026

Committee

Read by title, under the rules, referred to the Committee on Insurance.

lower

Feb 27, 2026

Committee

Under the rules, provisionally referred to the Committee on Insurance.

lower

1 primary · 0 co-sponsors