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Committee advances bill letting catastrophic savings accounts pay for fortified roofs

February 23, 2025 | Insurance, House, Alabama Legislative Sessions, Alabama


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Committee advances bill letting catastrophic savings accounts pay for fortified roofs
A House committee voted to give House Bill 106 a favorable report on a voice vote after adopting two technical amendments, advancing the measure that would let homeowners use existing catastrophic savings accounts to pay for fortified roofs.

Representative Brown, the bill sponsor, told the committee the accounts were created in 2012 to let homeowners set aside money for deductibles after wind damage and are capped at $15,000. "All we're doing with this bill is we're allowing them to utilize those funds for fortified roofs," Brown said.

The committee adopted a technical punctuation fix to a code citation and a second amendment clarifying that the laws provisions apply to tax years beginning on or after Jan. 1, 2026. The first amendment was offered as "v2a rpll-1" and was moved by Calvin and seconded by Sellers; the committee adopted it by voice vote. The second amendment, identified in the record as "u a A4DDGDash1," also passed by voice vote.

After the amendments were adopted, a motion by Representative McCampbell for a favorable report carried on a voice vote and the bill was sent out of committee as amended. The transcript records committee members voting by saying "aye"; there was no roll-call tally in the committee record.

Discussion in committee focused on the narrow change to allowable uses of the accounts and the effective date; no formal dissent or additional policy changes were recorded in the meeting minutes.

The bill would change the permitted uses of the catastrophic savings accounts established in 2012 so that money already allowed to cover deductibles for wind damage can also be used to pay for fortified roofs. The committee record notes the existing cap on these accounts at $15,000 and that the measure specifies applicability beginning in tax year 2026.

The committee also noted administrative housekeeping for future meetings, including expectations about submitting amendments and substitutes in advance and procedural reminders for committee members.

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