How does a FORTIFIED roof lower my insurance in Louisiana?

Two ways. Under Louisiana Regulation 136, insurers must apply a mandatory wind and hail discount for a FORTIFIED roof, up to 29% for base, 43% for Silver, and 49% for Gold in South Louisiana. Separately, many carriers offer voluntary discounts, up to 40% with select carriers such as Liberty Mutual and Safeco.

How do I actually claim the discount?

After your roof is certified, submit the IBHS FORTIFIED certificate to your insurance carrier. The discount is not automatic. Acadiana Roof Restoration provides the certificate and documentation and walks you through the submission.

Are the voluntary carrier discounts guaranteed?

No. The Regulation 136 discount is mandatory in South Louisiana. Voluntary carrier discounts vary by insurer and are offered up to a stated maximum with select carriers, so confirm the amount with your specific carrier.

Louisiana FORTIFIED Roof Insurance Savings Guide

A FORTIFIED roof is one of the few upgrades that pays you back every year through lower insurance. This guide explains how the savings work in Louisiana and how to make sure you actually get them. Acadiana Roof Restoration is an IBHS FORTIFIED certified contractor, veteran-owned and BBB A+ rated.

The Mandatory Discount: Regulation 136

Under Louisiana Regulation 136, insurers must apply a wind and hail premium discount to a FORTIFIED roof. In South Louisiana that is up to 29% for a base FORTIFIED Roof designation, up to 43% for FORTIFIED Silver, and up to 49% for FORTIFIED Gold. This is not optional for the insurer once your roof is certified.

The Voluntary Carrier Discounts

On top of the mandatory discount, many carriers offer their own voluntary reductions: up to 40% with select carriers including Liberty Mutual and Safeco, up to 37% with USAA, up to 35% with State Farm, and up to 30% with Allstate. These vary by insurer, so confirm the figure with your carrier.

How to Claim It

The savings do not happen automatically. After your roof is built and certified to the FORTIFIED standard, you submit the IBHS FORTIFIED certificate to your insurer. Acadiana Roof Restoration provides that certificate and the supporting documentation and walks you through the submission so the discount is applied correctly.

Frequently Asked Questions

Is the discount automatic?

No. You must submit the IBHS certificate to your carrier. We give you the paperwork and guide you.

Which discount is guaranteed?

The Regulation 136 discount is mandatory in South Louisiana. Voluntary carrier discounts vary by insurer.

Talk to a Certified Contractor

Call Acadiana Roof Restoration at 337-999-ROOF (337-999-7663) in Lafayette or 225-385-ROOF (225-385-7663) in Baton Rouge to plan a FORTIFIED roof and map out your insurance savings.