Capture a fortified roof grant and cut your wind premium
An IBHS FORTIFIED designation certificate in hand, the state grant paid to the roofer, and your carrier’s wind-portion discount applied to the policy.
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Who it's for
Homeowners in coastal or wind-prone U.S. states — currently Alabama, Florida, Louisiana, Mississippi, North Carolina, and South Carolina — who own and occupy their primary residence, face a roof replacement or a non-renewal notice, and live in a jurisdiction whose state government operates a FORTIFIED-roof grant program.
About this playbook
A step-by-step procedure for homeowners in wind-prone U.S. states to secure a state-funded FORTIFIED roof grant, earn the IBHS designation, and convert both into a lower homeowners insurance premium. The path covers program registration and eligibility verification, hiring the IBHS-certified evaluator before the contractor (the sequencing trap most applicants miss), documenting the sealed roof deck at the one moment the shingles are off, submitting the grant claim with the correct paperwork, and then negotiating with the carrier to apply the wind-mitigation discount and re-shopping the policy for the full savings. This guide does not cover general roofing material selection, financing a roof without a grant, or mitigation credits for partial upgrades such as standalone wind-mitigation inspections. It applies only to the state-run FORTIFIED roof grant programs in Alabama, Florida, Louisiana, Mississippi, North Carolina, and South Carolina, where the programs operate on capped funding rounds with registration windows that reset annually.
What you'll do, step by step
Free preview — these steps are open to read in full before you buy.
Phase 1: Identify and Enter Your State Grant Program
0/4Find which state program covers your address, verify your eligibility, and secure your spot in the current funding round before the window closes or the lottery fills.
- 45 min
- 30 min
- 0/41 hour
- 20 min
Phase 2: Gather the Required Property and Insurance Documents
4 stepsPhase 3: Engage the IBHS-Certified Evaluator and Choose Your Designation
4 stepsPhase 4: Oversee the FORTIFIED Roof Installation with Correct Documentation
5 stepsPhase 5: Claim the Grant, Apply the Wind Discount, and Re-Shop the Policy
4 stepsDetails
What you need first
You own and occupy the home as your primary residence. The existing roof requires replacement due to age, storm damage, or insurer mandate. Your state operates a FORTIFIED roof grant program with an open or upcoming registration window. You have a current homeowners insurance policy with wind coverage and a computer with internet access for online submissions.
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