Louisiana Insurance Savings Guide for FORTIFIED Roofs

A FORTIFIED roof is one of the few home improvements that pays you back every year through lower insurance premiums. 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.

The Louisiana Fortify Homes Program Grant

The Louisiana Fortify Homes Program awards grants of up to 10,000 dollars toward a FORTIFIED roof, in periodic lottery rounds through the Louisiana Department of Insurance. As of now, registration is closed and there is no published date for the next round. Sign up for announcements at ldi.la.gov.

The 15-Year Savings Picture

At an average of 1,250 dollars per year in insurance savings, a Louisiana homeowner with a FORTIFIED roof saves approximately 18,750 dollars over 15 years in premiums alone, before accounting for the grant or tax credit. That is a compelling financial case.

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.