Insurance; Strengthen Oklahoma Homes Act; retrofitting; program; Department of Insurance; grant; contractor; evaluator; revolving fund; Insurance Commissioner; effective date.

This bill establishes the Strengthen Oklahoma Homes Act, which creates a grant program within the Department of Insurance to help homeowners retrofit their primary residences against tornadoes, windstorms, and hail. Funding for the program depends on securing federal or other external grants rather than creating a guaranteed state entitlement, and applications are processed on a first-come, first-served basis. To qualify, homeowners must have wind and flood insurance, hire certified evaluators to assess their homes, obtain bids from at least three certified contractors, and complete the retrofitting work within three months of approval. Once a home meets the required safety standards, the department will pay the contractor directly, and all application documents will remain confidential and protected from public records requests.