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Started By
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Fortified Roof…is it worth it?
Posted on 10/21/26 at 12:28 pm
Posted on 10/21/26 at 12:28 pm
Helping my mom renovate her house.
Debating on doing the fortified roof or not.
She’s got Liberty Mutual for Homeowners and they don’t give a specialized discount for fortified. Also the underlayment of plywood might need to be replaced to a thicker gauge to support the fortified roof.
All in cost for the roof and some other work is around 22k with about 15k of it as roof work.
Regular roof lands in the 12k range.
I’ve gotten a few homeowners quotes and the only ones that give discounts are very suspect companies.
Considering just saving the money and going back with a regular roof.
Any advice?
Debating on doing the fortified roof or not.
She’s got Liberty Mutual for Homeowners and they don’t give a specialized discount for fortified. Also the underlayment of plywood might need to be replaced to a thicker gauge to support the fortified roof.
All in cost for the roof and some other work is around 22k with about 15k of it as roof work.
Regular roof lands in the 12k range.
I’ve gotten a few homeowners quotes and the only ones that give discounts are very suspect companies.
Considering just saving the money and going back with a regular roof.
Any advice?
Posted on 10/21/26 at 12:36 pm to Geauxld Finger
EDIT: Never mind registration closed recently
Depending where she is, she can apply for a grant from LFHP LINK
Don't think Baton Rouge qualifies, though.
Depending where she is, she can apply for a grant from LFHP LINK
Don't think Baton Rouge qualifies, though.
This post was edited on 10/21/26 at 12:38 pm
Posted on 10/21/26 at 12:37 pm to viv1d
New Orleans. We didn’t get selected in the lottery and the Orleans parish program will take way too long. They told
Me the process takes like a year to even get approved. I’m not waiting that long.
Me the process takes like a year to even get approved. I’m not waiting that long.
Posted on 10/21/26 at 12:49 pm to Geauxld Finger
There's a state tax credit but it's nonrefundable and may not make much of a dent in the difference in the regular roof if she doesn't pay much in state tax.
LINK
LINK
Posted on 10/21/26 at 12:51 pm to Brummy
Yea that’s the dilemma we were weighing. Shea retired so no taxable income for the credit to even offset. So other than an insurance deduction, there isn’t much of a point. For Amy decent deduction, she’d have to change carriers.
Posted on 10/21/26 at 1:16 pm to Geauxld Finger
We are with USAA and they don’t do the “fortified” discount. We just had the roofer tape the seams and got 30 year architectural shingles. We got a discount from them for that under a wind mitigation iirc.
Posted on 10/21/26 at 1:48 pm to Geauxld Finger
As of January, the 136 insurance companies in Louisiana are required to issue a discount (at least that is my understanding)
https://ldi.la.gov/fortifiedbenchmarks
The Louisiana Department of Insurance (LDI) issued Bulletin 2026-04 to notify all property and casualty insurers authorized to write insurance in Louisiana of the LDI’s promulgation of Regulation 136—Fortified Homes Premium Discounts. Regulation 136 requires insurers to provide premium discounts for residential properties that obtain a FORTIFIED designation in accordance with standards developed by the Insurance Institute for Business and Home Safety (IBHS). Insurers are directed to implement the below discounts, which are applicable to the hurricane portion of the premium, no later than January 1, 2027.
Residential Hurricane-Only Premium Discounts
Fortified Roof | Silver | Gold
North 16% | 20% | 24%
Central 27% | 35% | 42%
South 29% | 43% | 49%
https://ldi.la.gov/fortifiedbenchmarks
The Louisiana Department of Insurance (LDI) issued Bulletin 2026-04 to notify all property and casualty insurers authorized to write insurance in Louisiana of the LDI’s promulgation of Regulation 136—Fortified Homes Premium Discounts. Regulation 136 requires insurers to provide premium discounts for residential properties that obtain a FORTIFIED designation in accordance with standards developed by the Insurance Institute for Business and Home Safety (IBHS). Insurers are directed to implement the below discounts, which are applicable to the hurricane portion of the premium, no later than January 1, 2027.
Residential Hurricane-Only Premium Discounts
Fortified Roof | Silver | Gold
North 16% | 20% | 24%
Central 27% | 35% | 42%
South 29% | 43% | 49%
Posted on 10/21/26 at 1:50 pm to Geauxld Finger
I went Fortified a few years back when I had a new roof put on, but I got a very good deal on the up-charge. It more than paid for itself from Farm Bureau. I had a chat with the 3rd party inspector a few weeks after installation and he was saying the certification makes you attractive for insurers which makes sense. Less likely to be cut if they are thinning policies. More likely to find affordable insurance if you shop. But the cost and benefit are variable per situation
Posted on 10/22/26 at 7:13 am to Jcharles
quote:
We are with USAA and they don’t do the “fortified” discount.
Not true, I'm also with them and did mine in May 2025. With the fortified and wind mitigation form my homeowners went from just over 6k a year to little over $3k a year, so essentially half. I found when looking into whether it was worth it or not a lot of the insurance companies don't know how to price it correctly
Posted on 10/22/26 at 7:18 am to bubba102105
So your discount was specifically and designated by USAA as a “Fortified” roof?
Posted on 10/22/26 at 2:52 pm to Geauxld Finger
Just do a South Florida rated metal roof and it’ll outlast both of you storm or no storm.
I’ve seen major hurricanes and the shingle roofs always have damage and the metal roofs are fine unless something flies into them and they do better even if a tree leans on them.
I’ve seen major hurricanes and the shingle roofs always have damage and the metal roofs are fine unless something flies into them and they do better even if a tree leans on them.
Posted on 10/22/26 at 2:56 pm to bubba102105
quote:
Not true, I'm also with them and did mine in May 2025. With the fortified and wind mitigation form my homeowners went from just over 6k a year to little over $3k a year, so essentially half. I found when looking into whether it was worth it or not a lot of the insurance companies don't know how to price it correctly
2.5 years ago, when I had mine done. Farm Bureau in AP didn't know how to handle it. They had to send it up to HQ's underwriters for a few days to even quote it for me. Granted that was a few years ago, but I knew way more about it than the insurance folk it seemed. It was several thousand a year in savings at that point and it has held steady since then.
Posted on 10/23/26 at 9:17 am to RaginCajunz
I had mine done a little over a year ago. Paid $1k cash, inspector came out and took all of his pics, had the certificate not long after. Submitted it to allstate and I got a savings of about $700 a year on it
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