Maddy summaryMichigan Senate Bill 1130 requires home insurance companies to offer a fortified roof endorsement to policyholders whose roofs need replacement due to covered damage. If an insured purchases this endorsement and later suffers roof damage from a tornado, hail, or other catastrophic windstorm, the insurer must cover the reasonable additional cost of upgrading the new roof to meet specific fortified standards for that geographic area. This requirement applies to homeowner policies issued or renewed after December 31, 2027, and insurers must submit their endorsement forms and rates for state approval by April 1, 2027. The bill defines "fortified" as a trademark owned by the Insurance Institute for Business and Home Safety and only takes effect if two related House bills are also enacted.
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Maddy summaryMichigan Senate Bill 1129 requires home insurance companies to offer premium discounts or other cost reductions to policyholders who build or retrofit their properties to meet specific fortified roof standards. To qualify for these savings, a property must be inspected and certified by an evaluator from the Insurance Institute for Business and Home Safety (IBHS), and the homeowner must present this certification to their insurer. The bill applies only to insurance policies issued or renewed after December 31, 2027, and it does not prevent insurers from offering additional discounts under existing laws.
Maddy summaryMichigan Senate Bill 1128 establishes the "Strengthen MI Homes" program to provide grants for retrofitting owner-occupied, single-family homes to meet fortified roof standards that resist weather-related perils such as tornadoes and hail. To qualify, homeowners must have a homestead exemption, obtain an evaluation from a certified inspector, and hire a licensed contractor who meets specific insurance and training requirements. The bill creates the Strengthen MI Home Fund within the Department of Treasury to finance these grants and administrative costs, though the program only operates if the legislature appropriates sufficient funding. Grant payments are released directly to contractors only after a final inspection confirms the home meets the required safety standards, and participants must maintain active property insurance to receive benefits.
Maddy summaryThis bill amends the State Police Retirement Act to allow certain law enforcement officers, including conservation officers and state police motor carrier or securities officers, to join the state police retirement system. It specifically covers individuals who were previously in the state employees' retirement system but elected to terminate that participation, as well as new hires entering eligible positions after June 5, 2027. These individuals are treated as if they first became members of the state police retirement system after June 9, 2012, which subjects them to specific benefit rules and compensation calculations defined for that cohort. The bill also permits these officers to purchase service credit for prior service under the state employees' retirement system.
Maddy summaryMichigan Senate Bill 1138 significantly increases the dollar limits for property that debtors can protect from creditors during federal bankruptcy proceedings. The bill raises specific exemption caps, such as increasing the homestead exemption to $125,000 for most individuals and $200,000 for those who are disabled or over age 65, while also boosting limits for household goods, motor vehicles, and business tools. Additionally, it expands protections for retirement accounts by clarifying that IRAs and qualified pension plans are generally exempt, with specific exclusions for recent contributions or amounts subject to court orders for child support and divorce. The legislation establishes a mechanism for the state treasurer to adjust these dollar amounts every three years based on consumer price and home value indices to keep pace with inflation.
Maddy summaryThis bill amends Michigan's recodified tax increment financing act to exclude property taxes levied under the history museum authorities act from the definition of "tax increment revenues." The change applies across multiple types of development authorities, including downtown development, local development finance, and neighborhood improvement authorities. By removing these specific museum-related taxes from the captured revenue pool, the bill prevents local economic development districts from using those funds for general development projects. The measure directly affects municipalities that have established tax increment financing districts overlapping with areas where history museum authorities operate.
Maddy summarySB 1140 amends the Brownfield Redevelopment Financing Act to exempt museum authorities, specifically those created under the art institute and history museum acts, from having their property taxes captured by brownfield redevelopment plans. This change prevents local governments from diverting tax revenues that would otherwise go directly to these cultural institutions when nearby properties are redeveloped as brownfields. The bill takes effect only if companion bills SB 1139 and SB 1141 are also enacted, ensuring a coordinated update to the state's economic development financing framework.
Maddy summaryMichigan Senate Bill 1137 comprehensively revises state civil procedure laws to expand protections for individuals with consumer debts by increasing the value of property exempt from seizure, such as raising the homestead exemption to $125,000 and the household goods exemption to $5,000. The bill establishes a new cap on wage garnishment, limiting creditors to seizing only 15% of an individual's weekly earnings or the amount exceeding 35 times the minimum wage, whichever is less. It also introduces specific procedural safeguards, including requirements for financial institutions to identify and protect exempt funds in deposit accounts and mandates that courts provide debtors with clear notices about their rights before property can be seized. Additionally, the legislation creates a mechanism for periodic inflation adjustments to these exemption amounts and restricts the state from intercepting tax refunds to satisfy consumer debts when the refund includes specific earned income tax credits.
Maddy summaryMichigan Senate Bill 1139 establishes a framework for counties to create history museum authorities, which are public corporate bodies designed to fund and support historical museums. These authorities can levy a property tax of up to 0.2 mills for a maximum of 10 years, but only if approved by a majority vote of county electors. The collected funds must be used exclusively to support nonprofit organizations that provide services to major history museums or local historical institutions. If the tax is approved, the funding recipient is required to offer free admission and specific educational programming to county residents, while the authority itself is prohibited from owning real property or governing the museums directly.
Maddy summarySenate Bill 1134 allows specific state law enforcement employees, including corrections officers, conservation officers, and certain state police personnel, to voluntarily transfer from the general state employee retirement system to the Michigan State Police Retirement System. Eligible employees must submit a written election between August 2 and October 15, 2027, to become effective members of the new system on January 1, 2028. The bill permits these individuals to transfer their personal contributions and vested employer contributions to purchase service credit in the police retirement plan. This legislation is tied to two other bills and will not take effect unless all three are enacted into law.