A stronger roof. A safer home. Lower insurance.
FORTIFIED roofs are engineered to survive Gulf hurricanes, and Louisiana requires insurers to offer significant premium discounts when you have one. Get connected with a FORTIFIED contractor near you.
Your roof is the first thing a hurricane tries to take.
In South Louisiana it is not a matter of if a big storm comes, but when, and the roof is where the trouble starts. When hurricane wind catches the edge of a roof deck, it can peel back like a lid, and everything the storm carries pours straight into the house. Ceilings come down, floors and furniture soak through in hours, and the things you cannot replace are usually the first to go. Katrina, Ida, and the back-to-back 2020 storms in Lake Charles wrote that same story across whole neighborhoods, and the families who lived it often spent months out of the house waiting on a claim and a place in a long repair line.
A roof is the one part of the house you can harden before the season instead of after. A FORTIFIED roof is built and inspected to a tested standard that keeps the deck sealed and the roof fastened when the wind hits, so a storm that would have gutted the house is far more likely to stay outside it. In Louisiana, that same roof earns you a required cut on your insurance for making it.
The upgrade that pays you back every year.
A FORTIFIED roof is one of the only home improvements that lowers a bill you already pay. Louisiana requires insurers to discount the wind portion of your premium, and the state adds a tax credit on top.
- Up to~40%
- off your wind insurance premium
- $10,000
- Louisiana FORTIFIED roof tax credit
- Up to$10,000
- Fortify Homes grant, while funding lasts
- Jan 2027
- mandatory statewide discount begins
See what those numbers look like on your home.
The whole picture, before you spend a dollar
Here is how the money actually works for a Louisiana homeowner.
What FORTIFIED means
A roof built and certified to the IBHS standard to survive hurricane-force wind.See the standardWhat you save
Significant wind-premium discounts now, mandatory statewide in 2027, plus a state tax credit.Insurance and tax savingsWhat it costs
A full FORTIFIED roof runs around $16,000, and grants and credits can cover much of it.See the real numbersGrant help
The Fortify Homes grant offers up to $10,000 while funding lasts, awarded by lottery.How the grant works
From storm-worried to storm-ready
Five steps, from the first inspection to the discount. The order matters, and one timing mistake can cost you the grant.
A certified evaluator inspects the roof
An independent, IBHS-certified FORTIFIED evaluator reviews the roof before any work begins, so everyone starts from the same baseline.Collect 3 approved-contractor bids
Use the LFHP portal to gather bids from at least 3 approved contractors you choose. You pick the roofer.A certified contractor installs the FORTIFIED roof
Only a certified FORTIFIED roofer can do the install that earns the IBHS certificate: sealed deck, ring-shank attachment, enhanced edges, and wind-rated shingles.Evaluation and designation
The evaluator documents the finished job with photos, and IBHS reviews it and issues the FORTIFIED Roof certificate.The insurance discount kicks in
That certificate is what your insurer needs to apply the mandated wind discount, year after year, for as long as the designation stays in force.
Ready for a stronger roof and a lower premium?
Tell us about your home and we will connect you with a FORTIFIED-certified contractor in your parish. No cost, no obligation.
Here is what your contractor can help you sort out:
- The condition of your current roof, and what a FORTIFIED upgrade actually involves
- The exact wind-premium discount your insurer gives for a FORTIFIED roof (some Louisiana carriers go up to about 40 percent)
- Whether you qualify for the Fortify Homes grant, and how the lottery works
- How to claim the state tax credit, worth up to $10,000
- A realistic timeline and cost, so there are no surprises
You are working with vetted, FORTIFIED-certified roofers and an independent guide that is not affiliated with any insurer or government program.
Protect your home before the next storm.
Get connected with a certified FORTIFIED contractor today.