Comprehensive Hurricane Damage Mitigation Program; extend repealer on.

HB 959 extends the expiration date of Mississippi's Comprehensive Hurricane Damage Mitigation Program within the Department of Insurance. The bill directly affects homeowners and business owners in Mississippi's wind-borne debris regions by establishing procedures for wind-resistant construction inspections and linking verified mitigation measures to insurance discounts. Key provisions include requiring cost-benefit studies on wind-resistant building techniques, creating standardized inspection protocols for homes and commercial properties, and enabling insurers to offer premium discounts for properties with certified hurricane-resistant features. The program does not create state funding obligations but provides a framework for insurers and property owners to use verified construction improvements to reduce windstorm damage risk and insurance costs.