Strengthen Mississippi Homes Act; create catastrophic windstorm damage mitigation program in Department of Insurance.

HB 1060, the "Strengthen Mississippi Homes Act," creates a state program to help homeowners and commercial property owners retrofit properties against windstorm damage from hurricanes and tornadoes. It increases the maximum grant amount for retrofitting from $10,000 to $15,000 per home, removes outdated requirements like cost-benefit studies, and establishes a dedicated "Strengthen Mississippi Homes Program Fund" funded by half of a $50 insurance processing fee. The bill requires insurance companies to notify clients about the program and mandates annual reports to state officials on grants awarded and mitigation outcomes. It directly affects residential and commercial property owners seeking storm-resistant upgrades through state-funded grants.