2026-09-10 · Alabama · Legislation · Proposed — not yet introduced

Proposed: Alabama has a standing legislative body whose remit covers the insurance crisis facing Gulf-front condominium buildings. It has met, taken detailed testimony, and been handed a list of measures to consider. It has published no report, and nothing is currently scheduled.

Everything below is either an adopted resolution or on-the-record testimony. None of it is law, and none of it is a bill.

The commission

HJR 291, adopted in the 2024 Regular Session on a resolution by Representative Frances Holk-Jones, created the Alabama Coastal Commercial Insurance Joint Interim Study Commission “to examine and review the current increases in the cost of wind insurance on coastal commercial and multifamily properties.”¹

The phrase “commercial and multifamily” recurs throughout, which is what makes this a community-association matter: coastal condominium buildings are the multifamily stock in question.

Membership is drawn from the Insurance Commissioner or designee, the State Finance Director or designee, one senator and one representative from Baldwin or Mobile County, the chairs of six revenue and insurance committees, a representative of the Center for Risk and Insurance Research at the University of Alabama, and two property-and-casualty industry representatives. It is co-chaired by the chairs of Senate Banking and Insurance and House Insurance.

The menu

HJR 220, passed by the House on April 10 and adopted by the Senate on April 24, 2025, sets out what the commission should consider.² Its clauses read as a list of possible 2027 bills:

• “a state-supported reinsurance or risk pooling program… state-backed reinsurance, risk-sharing agreements, or catastrophe bonds”
• “targeted tax credits or grants for businesses that invest in wind-resistant construction, fortified roofing, flood mitigation insurance”
• “review insurance industry practices related to rate setting, claim denials and policy nonrenewals within the coastal zones”
• “broadening the coverage scope of the Alabama Insurance Underwriting Association's Wind Pool… for commercial properties”
• “state-administered contingency funds or loan programs to aid businesses in post-disaster recovery”
• “strengthening construction standards and zoning policies in high-risk areas”

It frames the stakes as “potential tax revenue losses exceeding $400,000,000 over a two-year, post-storm recovery period,” and asks the Governor to extend the commission's scope and work.

1. HJR 291, 2024 Regular Session — enrolled, creating the Alabama Coastal Commercial Insurance Joint Interim Study Commission ↩
2. HJR 220, 2025 Regular Session — enrolled, coastal commercial insurance measures for consideration ↩
3. Under-insured Gulf Coast puts state coffers at risk, Elliott says — Lagniappe (Mobile), Dec. 19, 2024 ↩
4. Rules and Procedures for Submitting Applications, effective 11-01-2025, Alabama Insurance Underwriting Association ↩