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 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.

Which Zone Is Your Parish In?

Under Louisiana Regulation 136, insurers must discount the hurricane portion of the premium for FORTIFIED homes no later than January 1, 2027, at 29, 43, and 49 percent for FORTIFIED Roof, Silver, and Gold in South zone parishes, 27, 35, and 42 percent in Central, and 16, 20, and 24 percent in North, according to the Louisiana Department of Insurance. Check the Louisiana Department of Insurance zone map for your parish.

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.

Estimating Your Own Savings

The Louisiana Legislative Auditor's 2025 review of the Fortify Homes Program found that the median grant recipient with a fortified roof saved 1,250 dollars a year on total premiums. At that rate, 15 years of savings would come to about 18,750 dollars, before any grant or tax credit. Your own savings depend on your parish's zone, your FORTIFIED level, and how large the hurricane portion of your premium is, and Acadiana Roof Restoration can walk you through the math at your free assessment.

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.