How does a FORTIFIED roof lower my insurance in Louisiana?

Under Louisiana Regulation 136, insurers must discount the hurricane portion of the premium for a home with an IBHS FORTIFIED designation, no later than January 1, 2027. The Louisiana Department of Insurance benchmarks are 29% for FORTIFIED Roof, 43% for Silver, and 49% for Gold in the South zone, 27%, 35%, and 42% in the Central zone, and 16%, 20%, and 24% in the North zone. Acadiana Roof Restoration builds FORTIFIED roofs and provides the certificate documentation.

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.

Which FORTIFIED discount zone is my parish in?

It depends on your parish. The Louisiana Department of Insurance South zone covers the parishes inside the state's Louisiana Coastal Zone, and the rest of the state is Central or North. Check the zone map on the LDI FORTIFIED Benchmarks page. Acadiana Roof Restoration can help Lafayette and Baton Rouge area homeowners confirm which designation and zone apply.

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 Regulation 136, the Louisiana Department of Insurance requires insurers to give a premium discount to homes with an IBHS FORTIFIED designation, and insurers must implement it no later than January 1, 2027. The discount applies to the hurricane portion of your premium, not your whole bill. The amount depends on your designation level and on which of the state's three zones your parish is in.

Zone	FORTIFIED Roof	FORTIFIED Silver	FORTIFIED Gold
South	29%	43%	49%
Central	27%	35%	42%
North	16%	20%	24%

Source: Louisiana Department of Insurance, FORTIFIED Benchmarks.

Which Zone Is Your Parish In?

The South zone covers the parishes inside the state's official Louisiana Coastal Zone. Central and North cover the rest of the state. Do not assume your parish is in the South zone because you live in South Louisiana. Check the zone map on the Louisiana Department of Insurance FORTIFIED Benchmarks page, and ask your agent which column applies to your policy. Your dollar savings depend on how large the hurricane portion of your premium is.

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.

When does the state discount start?

Insurers must implement the Regulation 136 discount no later than January 1, 2027. It applies statewide, at the percentage for your parish's zone and your designation level.

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.