- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Insurance commissioner push for reinforced roofs?
Posted on 4/5/23 at 6:59 pm
Posted on 4/5/23 at 6:59 pm
As an insurance agent I get all of the insurance commissioner notices and received one today that mentioned an incentive being offered to strengthen current roofs as well as design stronger roofs on newly constructed houses. Anyone know what the strengthening design is? Just wondering if my roof would be affected and whether it would simply be additions to the attic region without needing to dismantle the roof first.
Posted on 4/5/23 at 7:26 pm to Cajun75
I've seen or heard of strap-type approaches that you do on the attic side, but I know nothing about any proposed standards or how common interior bracing is.
Posted on 4/5/23 at 7:29 pm to Cajun75
Check out fortified roofing-that’s what’s being pushed in the coastal area of Alabama.
Posted on 4/5/23 at 7:34 pm to Cajun75
I know they are applying for grants to offer for this. Of course the contractor will have to be fortified roof approved. And there will be an application process to be approved for the grant money.
The pessimist in me says that there is going to be an awful lot of brother-in-law deals involved in that whole process
The pessimist in me says that there is going to be an awful lot of brother-in-law deals involved in that whole process
Posted on 4/5/23 at 7:46 pm to Purple Spoon
I always wondered why roofs werent made with a rubber membrane that was glued down on the decking.
Posted on 4/5/23 at 7:49 pm to Cajun75
I recently purchased a home and went through the quote process with at least 7-8 companies. Several were talking about the "fortified homes" incentive but I can't recall all it involved. I remember it involved a series of inspections in order to qualify but the result was a pretty good rate reduction. I am going to look into it once we get settled.
Posted on 4/5/23 at 7:51 pm to Purple Spoon
quote:
The pessimist in me says that there is going to be an awful lot of brother-in-law deals involved in that whole process
That’s not the way it’s been, at least in AL.
To the op, I am fortified designated with my insurance agency, and will elaborate on this more later, but this is a great step for LA, if the local communities/departments get behind it.
Posted on 4/5/23 at 7:53 pm to Cajun75
Down on the coast, you must have the roofs strapped to the foundation (however they do it). After the hurricane, you can see the newer camps with the roof intact and the older camps with no roof.
Posted on 4/5/23 at 7:54 pm to diat150
quote:
I always wondered why roofs werent made with a rubber membrane that was glued down on the decking.
That's literally how I'd describe most peel & stick water/ice shielding.
Posted on 4/5/23 at 7:59 pm to Cajun75
Looking at some projects now with “fortified roofs”
10-15% higher initial cost, but perhaps as much as 20-30% discount on property insurance gets my attention big time….
Still really new here but definitely something to watch.
10-15% higher initial cost, but perhaps as much as 20-30% discount on property insurance gets my attention big time….
Still really new here but definitely something to watch.
Posted on 4/5/23 at 8:09 pm to Cajun75
I’m waiting for them to start making everyone have standing seem roofs. I mean shingle roofs are made to fly away, it’s a really bad design in high wind areas. I know is way to much $$$$$
Posted on 4/5/23 at 8:10 pm to Klondikekajun
WAFB
BATON ROUGE, La. (WAFB) - Just last year lawmakers passed what’s called the Fortified Roof Program. It’s state account essentially made for grants that would help you build a stronger roof along with other home improvements.
State Rep. Gabe Firment (R) says he has a bill that would require insurance companies to offer an incentive for you to fortify your roof.
You would still be charged a premium for the upgrade but Chairman of the House Insurance Committee, Rep Mike Huval, says Firment’s plan would make those premiums cheaper.
“The insurance company will be required to give a discount on your insurance premium. So, that automatically gives you some kind of relief from the money that you’ve invested for yourself and in combination with the money you’re getting from the grant. So, it will lower your insurance premium,” said Rep. Huval.
“I’ve spoken to the Department of Insurance about this bill and they assisted in drafting it and they’re going to be 100% behind it,” Rep. Firment added.
Legislators like Huval and others are going to be pushing hard this session to fund the Fortify Roofs Program.
“We’re asking for $10 million, grants will be given to the LDI, they will have a special way of getting people qualified for it. If we build stronger structures the insurance companies will realize that when the hurricanes do come, the homes enhanced with the fortified roofs will have less damage. Less damage, less claims paid,” Rep. Huval continued.
“We’ve got to commit to funding this for the long haul. Really if we just do it this one year it’s not going to be effective,” Rep. Firment explained.
Huval also said the Fortified Roof Program will be available to anyone in the state with a home.
BATON ROUGE, La. (WAFB) - Just last year lawmakers passed what’s called the Fortified Roof Program. It’s state account essentially made for grants that would help you build a stronger roof along with other home improvements.
State Rep. Gabe Firment (R) says he has a bill that would require insurance companies to offer an incentive for you to fortify your roof.
You would still be charged a premium for the upgrade but Chairman of the House Insurance Committee, Rep Mike Huval, says Firment’s plan would make those premiums cheaper.
“The insurance company will be required to give a discount on your insurance premium. So, that automatically gives you some kind of relief from the money that you’ve invested for yourself and in combination with the money you’re getting from the grant. So, it will lower your insurance premium,” said Rep. Huval.
“I’ve spoken to the Department of Insurance about this bill and they assisted in drafting it and they’re going to be 100% behind it,” Rep. Firment added.
Legislators like Huval and others are going to be pushing hard this session to fund the Fortify Roofs Program.
“We’re asking for $10 million, grants will be given to the LDI, they will have a special way of getting people qualified for it. If we build stronger structures the insurance companies will realize that when the hurricanes do come, the homes enhanced with the fortified roofs will have less damage. Less damage, less claims paid,” Rep. Huval continued.
“We’ve got to commit to funding this for the long haul. Really if we just do it this one year it’s not going to be effective,” Rep. Firment explained.
Huval also said the Fortified Roof Program will be available to anyone in the state with a home.
Posted on 4/5/23 at 8:11 pm to diat150
quote:
I always wondered why roofs werent made with a rubber membrane that was glued down on the decking.
Lots of commercial buildings use membrane roofs... they will leak, they all leak. Never been in charge of a building with a membrane that didn't leak.
Posted on 4/5/23 at 8:16 pm to trident
I was looking at some shingle tile bundles that were rated for 50mph winds. Couldn't believe you could sell that in Louisiana.
As ugly as they are, if I ever have to replace a roof again it will be metal.
As ugly as they are, if I ever have to replace a roof again it will be metal.
Posted on 4/5/23 at 8:17 pm to Cajun75
Metal roof, strapped in the attic. Irma & Ian hit directly, with no issues. Andrew really changed construction minimum requirements here in S. FL.
Posted on 4/5/23 at 8:18 pm to Cajun75
Florida has better building codes than we do.
Most of the houses built in last 20 years in SW Florida did fine during Ian assuming they didnt flood with the surge.
Most of the houses built in last 20 years in SW Florida did fine during Ian assuming they didnt flood with the surge.
Posted on 4/5/23 at 8:27 pm to MoarKilometers
quote:
I always wondered why roofs werent made with a rubber membrane that was glued down on the decking.
That's literally how I'd describe most peel & stick water/ice shielding.
When I built my outside office and my mower shed, I covered the entire roof (modern shed style) with water and ice. It's not the cheapest upgrade, but on those small structures it was a no-brainer. It even seals around all of the nail penetrations. I've never really looked into the fortified roof standards but that all makes sense. I dig it.
Posted on 4/5/23 at 9:18 pm to Knucklehead
Looks like from the site you posted that to fortify your roof it would need to be done before the shingles were put on, so it really wouldn't pay to have to get a whole new roof to do this unless the insurance company paid a good-size incentive amount. I saw where they were talking about offering up to $10,000 to entice homeowners to convert. Even so, unless you were having a damage claim, you would still be paying a lot out of pocket that could take a number of years to recoup.
Posted on 4/5/23 at 9:36 pm to Cajun75
It’s called fortified roof. Designed to limit the amount of interior damage but limiting roof damage and reinforcing decking etc. All seams on the roof decking have to be sealed with a tape or mastic, mail lateen at 4” oc for decking, specific nail pattern on drip edge, ice/ water in certain areas etc. Thought is the roof stay mostly intact and doesn’t allow the interior to be a total loss so the claim may be $20,000 avg to replace the roof and not $120,000 or policy limits bc the interior of the house has to be gutted. Alabama has had a grant program for awhile and have 36,000 roofs in the program, Louisiana has 268. We have to do something to help limit insurers exposure if we have any hope of getting more options for homeowners insurance
Back to top
Follow TigerDroppings for LSU Football News