Insurance; creating the Oklahoma Commercial FORTIFIED Roof Program; establishing certain standards; allowing Insurance Commissioner to approve certain alternative standards. Effective date.

SB 1590 creates Oklahoma's Commercial FORTIFIED Roof Program to encourage commercial property owners to install or retrofit roofs meeting enhanced wind and hail resilience standards. The program, based on Insurance Institute for Business and Home Safety (IBHS) guidelines or approved alternatives, directly affects commercial buildings (including offices, schools, and multifamily residences with five+ units) by offering potential financial incentives. Key provisions include the Insurance Department providing grants/rebates for qualifying roof upgrades, partnering with insurers to offer premium discounts, and certifying compliant roofs for use in insurance underwriting. Participation is voluntary, with no requirement for property owners to retrofit roofs or for insurers to reduce premiums.