Insurance Savings

A FORTIFIED Roof can save you a great deal of money on your home or wind insurance.

Here's a list of states that offer insurance discounts for FORTIFIED. Other states also provide insurance discounts for mitigation measures, which a FORTIFIED Roof may qualify you to receive. 

Alabama

The Alabama FORTIFIED Insurance Discounts Sheet specifies the insurance discounts homeowners can qualify for by installing a FORTIFIED Roof or building a FORTIFIED Home™. Savings range from 20-55% off the wind portion of the property owner's insurance.  Available for coastal and inland homeowners.

Florida

Florida homeowners can use the Wind Insurance Savings Calculator to determine how much they will save on home insurance with a FORTIFIED Roof. According to flordiadisaster.org, "Florida Statute 627.0629(1) requires insurance companies to offer Florida homeowners "discounts, credits, or other rate differentials..." for construction techniques that reduce damage and loss in windstorms." 

FORTIFIED can qualify homeowners for discounts, including roof deck attachment, secondary water resistance, and roof covering. Other levels of FORTIFIED, including Silver, may be eligible for even more mitigation credits. 

Georgia

Georgia Underwriting Association Mitigation Program specifies insurance discounts for FORTIFIED construction in the State and how to qualify.

Louisiana

The Louisiana FORTIFIED Insurance Discount Sheet specifies the insurance discounts homeowners can qualify for by installing a FORTIFIED Roof or building a FORTIFIED Home™. Savings range from 20-52% off the wind portion of the property owner's insurance.

The Louisiana Residential Property Storm Mitigation Incentives provides insurance premium discounts when a homeowner builds or retrofits a structure to comply with the Louisiana State Uniform Construction Code. The credits also apply if mitigation improvements, demonstrated to reduce the amount of loss from a windstorm or hurricane, are installed. 

Maryland

The Maryland Insurance Administration INSURANCE PREPAREDNESS GUIDE FOR NATURAL DISASTERS For all homeowner policies issued, delivered or renewed on or after June 1, 2009, insurers are required by law to offer a discount to policyholders. To qualify, policyholders must submit proof to the insurance company that they completed qualified mitigation actions that mitigate loss from a hurricane or other storm covered under the policy. (page 2 of Guide) 

Mississippi

The Mississippi FORTIFIED Insurance Discount Sheet specifies the insurance discounts homeowners can qualify for by installing a FORTIFIED Roof™ or building a FORTIFIED Home™. Savings range from 12-55% off the wind portion of the property owner's insurance.

Mississippi Windstorm Underwriting Association UA policies may receive Wind Mitigation Insurance Discounts for construction in jurisdictions that have been graded with the Building Code Effectiveness Grading Schedule (BCEGS) for residential and commercial structures.

Mississippi Department of Insurance Mitigation Program provides FORTIFIED discounts ranging from 17-30% currently and can vary by company. Some companies offer higher discounts. 

North Carolina

North Carolina (Wilmington Area) FORTIFIED Insurance Discounts Sheet specifies insurance discounts for FORTIFIED construction in the State and how to qualify. Savings range from 6-19% off the wind portion of the property owner's insurance.

Oklahoma

Oklahoma House Bill 1720 establishes the FORTIFIED standard as the state mitigation standard. The bill allows insurance companies to set actuarially sound rate discounts for homes that are certified to meet the standard. Additionally, the bill opens the door for other building standards to be eligible for insurance discounts only if they meet or exceed the FORTIFIED standard. 

The Oklahoma FORTIFIED Insurance Discount Sheet specifies the insurance discounts homeowners can qualify for by installing a FORTIFIED Home High Wind and Hail. Savings range from 3-42% off the wind portion of the property owner's insurance.

South Carolina

The South Carolina FORTIFIED Insurance Discount Sheet specifies the insurance discounts homeowners can qualify for by installing a FORTIFIED Roof or building a FORTIFIED Home™. Savings range from 10-35% off the wind portion of the property owner's insurance.17 insurers offer discounts. (Pages 5-6) 

There are also general Mitigation Insurance Discounts where homeowners can save up to 25% off their insurance by making their home more "storm-resistant." FORTIFIED qualifies. (Page 3)

Texas

Homes with a FORTIFIED designation can qualify for insurance discounts through the Texas Windstorm Insurance Association (TWIA) and some insurance companies. FORTIFIED can also be eligible for many other discounts such as opening protection, wind-resistant construction, and secondary water barrier. Contact your insurer and shop for your insurance. 

All homes in coastal regions of Coastal Texas must undergo an inspection to qualify for insurance from TWIA. Learn more about the Texas Department of Insurance (TDI) Windstorm Inspection Program with their FAQs. To be eligible for windstorm and hail insurance coverage through TWIA, new structures, alterations, additions, or repairs to existing structures, including re-roofs or roof repairs, located in the designated catastrophe areas must be constructed and inspected according to the building specifications adopted by the TDI.