The short answer
Louisiana is pushing homeowners toward stronger roofs. The state’s Louisiana Fortify Homes Program has offered grants of up to $10,000 to upgrade a roof to the FORTIFIED standard, and state law requires insurers to offer discounts for FORTIFIED roofs.
FORTIFIED roof grants
- Up to $10,000 toward upgrading your roof to the FORTIFIED standard, paid to an approved contractor.
- Run by the Louisiana Department of Insurance.
- Who qualifies: owners of an existing single-family primary residence with a homestead exemption and active wind coverage. An evaluation fee applies.
- Funding rounds open and close. Check the Louisiana Department of Insurance for current availability.
Insurance discounts
After FORTIFIED roof work, homeowners get a certificate that qualifies them for a homeowners insurance discount, and insurers are required to offer these discounts. Ask your insurer how much yours would be.
If you lose coverage
- Shop with an independent agent.
- Louisiana Citizens Property Insurance Corporation is the state’s insurer of last resort.
- Contact the Louisiana Department of Insurance if you think a non-renewal was improper.
Good to know
If you are replacing your roof anyway, ask your roofer whether they can build it to the FORTIFIED standard and handle the certification. That can lower your premium for years.
Want a local roofer to take a look?
A local roofer can check your roof and tell you whether a repair, a roof certification, or a replacement makes sense. Free, with no obligation.
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Common questions
What is a FORTIFIED roof?
A roofing standard from the Insurance Institute for Business & Home Safety (IBHS) designed to better resist high winds and rain, with stronger attachment and a sealed roof deck.
Is the grant still open?
It depends on current funding. Check the Louisiana Department of Insurance website.
Laws and insurer rules change. This page is general information, not legal advice. Last reviewed October 2026.