Shown verbatim: the complete text as captured from the official PDF posted by the Oklahoma Legislature, fetched 2026-07-23. Page and line markers are part of the official record; nothing is edited or removed. The official bill page.
1 STATE OF OKLAHOMA
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2 2nd Session of the 60th Legislature (2026)
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3 SENATE BILL 1590 By: Coleman
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6 AS INTRODUCED
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7 An Act relating to insurance; creating the Oklahoma
7 Commercial FORTIFIED Roof Program; establishing
8 certain standards for certain program; allowing the
8 Insurance Commissioner to approve certain alternative
9 standards; establishing structures approved for the
9 program; allowing the Insurance Department to provide
10 certain grants or rebates; allowing the Department to
10 partner with certain insurers; allowing the
11 Department to coordinate with certain programs;
11 construing provisions; requiring the Commissioner to
12 promulgate rules; providing for codification; and
12 providing an effective date.
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15 BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
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16 SECTION 1. NEW LAW A new section of law to be codified
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17 in the Oklahoma Statutes as Section 977 of Title 36, unless there is
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18 created a duplication in numbering, reads as follows:
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19 A. There is hereby established within the Insurance Department
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20 the Oklahoma Commercial FORTIFIED Roof Program for the purpose of
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21 encouraging the voluntary construction, retrofitting, and
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22 certification of commercial roofing systems that meet enhanced wind
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23 and hail resilience standards.
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Req. No. 3077 Page 1
1 B. The program shall be based on the FORTIFIED Commercial or
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2 successor commercial roofing standards established by the Insurance
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3 Institute for Business and Home Safety (IBHS), or substantially
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4 similar standards approved by the Insurance Commissioner. The
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5 Commissioner may approve alternative or updated standards as
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6 necessary to reflect evolving best practices for commercial roof
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7 resilience in this state.
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8 C. Structures eligible for the program shall include
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9 commercial, school, industrial, agricultural, nonprofit, and
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10 multifamily residential buildings containing five or more dwelling
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11 units.
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12 D. Subject to the availability of funds, the Department may:
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13 1. Provide grants or rebates to assist with the cost of
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14 qualifying commercial roof upgrades or replacements;
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15 2. Partner with insurers to encourage premium credits,
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16 discounts, or other incentives for participating property owners; or
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17 3. Coordinate with state or federal resilience, mitigation, or
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18 disaster-preparedness programs to leverage available funding.
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19 E. Roof improvements made pursuant to this section shall be
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20 inspected and certified by qualified professionals approved by the
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21 Department. Certification documentation may be used by insurers for
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22 underwriting, rating, or incentive purposes, subject to insurer
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23 discretion any applicable state or federal law.
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Req. No. 3077 Page 2
1 F. Participation in the program shall be voluntary and shall
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2 not be construed to create an entitlement to funding.
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3 G. Nothing in this section shall be construed to require any
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4 commercial property owner to retrofit or replace a roof or mandate
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5 insurance premium reductions or underwriting decisions by insurers.
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6 H. The Commissioner shall promulgate any rules necessary for
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7 the provisions of this section.
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8 SECTION 2. This act shall become effective November 1, 2026.
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10 60-2-3077 CAD 1/13/2026 10:50:55 AM
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Req. No. 3077 Page 3Every fact on this page links to its source, starting with the official bill record.