Louisiana has many benefits in place for upgrading to a FORTIFIED Roof™. A FORTIFIED Roof will strengthen your roof, save you money on home insurance and taxes, and can help to ensure the safety of your home during the next Hurricane. Starting July 1st, 2022, home and business owners who build or retrofit to the FORTIFIED Home™ or FORTIFIED Commercial™ standards will qualify for a reduced rate or discount on their hazard insurance.
Use this document to understand the options you have when rebuilding or re-roofing after Hurricane Ida.
The Residential Property Storm Mitigation Incentives brochure outlines insurance premium discounts and tax deductions. Louisiana homeowners qualify for insurance discounts and tax incentives to strengthen their homes, including installing a FORTIFIED Roof.
FORTIFIED Insurance Discounts - Many insurance companies offer discounts for re-roofing or rebuilding to FORTIFIED Home™ construction standards. Learn how to get a FORTIFIED Roof™ and find a FORTIFIED Evaluator™ to start your journey to a stronger home.
Homeowners qualify for up to $5,000 in tax deductions or half the home retrofits costs, whichever is less. This includes FORTIFIED Roof and other construction retrofits the state of Louisiana recognizes. (Page 7).
Check home builder or roofers license - Use the Louisiana State Licensing Board for Contractors License Verification site to check that your roofer or contractor is licensed. This ensures they are legally able to do work in Louisiana to repair homes after a hurricane.
- File a claim with your insurer for both homeowners and flood insurance. Understand your deductibles. You will be responsible for these costs. Negotiate with your adjuster.
- Use FEMA's How Do I Start My Flood Claim? website to understand the insurance claims, repair, and rebuilding process.
- Use this checklist from FEMA to understand what you need when filing a flood insurance claim and how to negotiate with your insurance adjuster.
Download Louisiana's Homeowners Handbook to Prepare for Natural Disasters - The Homeowners Handbook is a comprehensive document that provides an overview of the hazards most likely to affect residents. It contains information about preparing your family, protecting your property, the types of insurance you need, and what to do if your home is damaged during a disaster.
The Louisiana Homeowners Rate Comparison Guide can help you compare homeowners insurance rates among companies based on various examples, including mitigation.
The Louisiana Citizens Property Insurance Corporation assessment is not a tax credit; it's a refund on property insurance. This refund is paid as part of the property insurance bill each year by property owners to cover the costs of Hurricane Katrina damages. If you paid this with your premium, the amount is listed on your policy's declarations page and is partially refundable once it is paid.
The Louisiana Individual Assistance (IA) Grant Program provides information on Louisiana's FEMA-based support for individuals and families in the wake of a Presidentially declared disaster. From grants that provide for special and personal needs to temporary housing to helping with U.S. Small Business Administration (SBA) loans and more, the FEMA Individual Assistance (IA) Program is an essential resource for community members recovering from a disaster.