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Started By
Message
Fortified roof requirements
Posted on 8/10/26 at 8:33 pm
Posted on 8/10/26 at 8:33 pm
I'm just trying to understand exactly what is required to receive the certificate for the insurance discount.
The new home will be built in Ascension Parish. I looked through the Louisiana Hurricane Loss Mitigation Survey Form because that was the information I was given by the USAA representative, but I couldn't find anything that explains the specific materials or construction requirements needed to qualify.
USAA told me I could potentially save up to $1,500 a year on my homeowners insurance if the home meets the requirements and I can provide the proper certification.
I'm really just trying to find out what materials, construction methods, inspections, or other requirements I need to be aware of so we can make sure everything is done correctly during the build.
I would certainly be interested in a grant if one is available, but that's not what I'm asking about right now. Several searches on here came back to this. I'm specifically trying to find out what is required to qualify for the insurance discount.
The new home will be built in Ascension Parish. I looked through the Louisiana Hurricane Loss Mitigation Survey Form because that was the information I was given by the USAA representative, but I couldn't find anything that explains the specific materials or construction requirements needed to qualify.
USAA told me I could potentially save up to $1,500 a year on my homeowners insurance if the home meets the requirements and I can provide the proper certification.
I'm really just trying to find out what materials, construction methods, inspections, or other requirements I need to be aware of so we can make sure everything is done correctly during the build.
I would certainly be interested in a grant if one is available, but that's not what I'm asking about right now. Several searches on here came back to this. I'm specifically trying to find out what is required to qualify for the insurance discount.
3
Posted on 8/10/26 at 9:42 pm to Will Cover
Well first, it has to be done by a contractor/ roofer who is certified through FORTIFIED. Not just any GC can put on a roof, even with the correct material, and get the certificate.
Check out [link=(FIND A PROFESSIONAL )]https://fortifiedhome.org/homeowner-resources/[/link]
Once you find a certified roofer, they will be able to point you in the correct direction. It’s an audited process, a third party (home inspector) documents the material and install then sends it into FORTIFIED.
The inspector has to document / take photos of rafter spacing, deck thickness, nail spacing of decking and drip edge, underlayment (double felt or ice/water throughout), material used. Some dormer and patio cover configurations can make the home ineligible for the program, which the inspector will be able to determine during a pre-inspection walkthrough.
Check out [link=(FIND A PROFESSIONAL )]https://fortifiedhome.org/homeowner-resources/[/link]
Once you find a certified roofer, they will be able to point you in the correct direction. It’s an audited process, a third party (home inspector) documents the material and install then sends it into FORTIFIED.
The inspector has to document / take photos of rafter spacing, deck thickness, nail spacing of decking and drip edge, underlayment (double felt or ice/water throughout), material used. Some dormer and patio cover configurations can make the home ineligible for the program, which the inspector will be able to determine during a pre-inspection walkthrough.
Posted on 8/10/26 at 9:56 pm to good_2_geaux
Posted on 8/11/26 at 7:26 am to good_2_geaux
This is correct. I was lucky and had a friend take care of it for $1k. People are getting ripped off for whag is essentially a different layer and a lot of damn nails.
Posted on 8/12/26 at 11:46 am to Will Cover
I went with certified a few years back. It made a huge difference on my Farm Bureau rate. The new roof almost cut it in half and then the fortified dropped it another $1k/year. (Ascension)
The roofer has to be in the program
The document the hell out of it with a billion photos
An inspector came during installation
They submit it to the organization and a third party inspector came out to certify it
I got a certificate that lasts for 5 years?
That certificate went to Farm Bureau and they adjusted my rate
I believe in 5 years I pay a $150 fee to have it reinspected/certified
The roofer has to be in the program
The document the hell out of it with a billion photos
An inspector came during installation
They submit it to the organization and a third party inspector came out to certify it
I got a certificate that lasts for 5 years?
That certificate went to Farm Bureau and they adjusted my rate
I believe in 5 years I pay a $150 fee to have it reinspected/certified
This post was edited on 8/12/26 at 11:47 am
Posted on 8/12/26 at 2:21 pm to Will Cover
I'm with USAA and mine went from 6k a year to 3k after the roof with the wind mitigation form. To my knowledge it's so many nails per sheet of plywood which has a minimum thickness requirement, so many nails per shingle and the ice/water barrier that sticks to the plywood to prevent and water intrusion.
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