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State statute · Alabama

Homeowners Insurance Discount for Windstorm Mitigation (27-31D-1 to 27-31D-5)

Alabama Code Title 27 (Insurance) Chapter 31D

Publisher
Legislative Services Agency of the Alabama Legislature
Edition
Code of Alabama as served by ALISON on 2026-09-29
Last checked
2026-09-29
Status
Code of Alabama, public domain
Edition and licensing notes

Publisher. Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us)

Status. Code of Alabama, public domain (state government edict).

Read the official textPractice questions from this source

What this document is

Alabama Code Title 27 (Insurance) Chapter 31D - Homeowners Insurance Discount for Windstorm Mitigation (27-31D-1 to 27-31D-5) is a state statute published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us). It is one of the Alabama documents that insurance license exam questions are written from, including alabama property & casualty, alabama personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

  • Ala. Code Section 27-31D-2.1(a) (Endorsement Offer to Upgrade Home to Fortified Standard When Damage Requires Roof Replacement)
    “(a) Insurance companies writing homeowners insurance shall offer a fortified bronze roof endorsement to upgrade a nonfortified home, which is otherwise eligible for a fortified standard, to a fortified standard identified in Section 27-31D-2, when the insured incurs damage covered by the policy...”
  • Ala. Code Section 27-31D-3 (Insurable Property)
    “Manufactured homes or mobile homes are excluded, except as expressly provided in subsection (b) of Section 27-31D-2.”
  • Ala. Code 27-31D-1(j) (Premium Discount or Insurance Rate Reduction, Construction and Certification)
    “An insurer is not required to provide the same amount of adjustment for a building code insurable property as the insurer would to an FFSLS or FCS insurable property. An adjustment shall only apply to policies that provide wind coverage and may apply to that portion of the premium for wind coverage...”

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Questions about this source

Alabama Code Title 27 (Insurance) Chapter 31D - Homeowners Insurance Discount for Windstorm Mitigation (27-31D-1 to 27-31D-5) is a state statute published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us). Edition: Code of Alabama as served by ALISON on 2026-09-29.

No. This page summarizes the document and links to the official version. Always rely on the text published by Legislative Services Agency of the Alabama Legislature (ALISON, alison.legislature.state.al.us) for the current law.

Practice questions for Alabama Property & Casualty, Alabama Personal Lines cite this document.

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