Now it is time to rebuild stronger.
Upgrading to a FORTIFIED Roof™ will strengthen your roof, save you money on home insurance and taxes, and can help to ensure the safety of your house during the next Hurricane.
Louisiana Resources for Hurricane Recovery
The Residential Property Storm Mitigation Incentives brochure outlines insurance premium discounts and tax deductions. Louisiana homeowners qualify for insurance discounts and tax incentives to make their homes stronger, including installing a FORTIFIED Roof.
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).
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. 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.
Check a home builder or roofers license - Use the State of Louisiana Home Builders Licensure Board License Verification site to check that your roofer or contractor is licensed. This ensures they can legally do work in Louisiana to repair homes after Hurricanes Laura and Delta.
Additional Resources to help you recover faster and rebuild stronger
Apply for FEMA and SBA disaster assistance - Even if you have insurance, apply for disaster aid at disasterassistance.gov. The Small Business Administration (SBA) can also provide additional funding (up to 20% of a loan) for rebuilding projects that will meet the FORTIFIED Home™ standard.
If you were affected by a Presidentially declared disaster, like Hurricanes Laura or Delta, you might qualify for tax relief by the IRS. Qualifying FEMA disaster relief payments can be excluded from taxable income. Contact a tax advisor.
Avoid contractor fraud - With the right tools and questions, you can find a quality roofer or contractor, avoid fraud, and get a stronger roof to protect your family. Download the Contractor Fraud Checklist for in-depth steps to take after Hurricanes Laura and Delta.
Inspect your roof for damage safely.
Quick tips for insurance claims and Federal Disaster Assistance
- 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.
- Apply for FEMA disaster assistance (disasterassistance.gov). Applying will also allow you to apply for Small Business Administration (SBA) loans, which offer low-interest rates.
- Avoid Fraud - Do not assign benefits to a contractor, called an Assigned of Benefits (AOB) contract. Talk with your insurance company about claims directly. Get three roof repair quotes in writing, on company letterhead. Check for a home builder or roofer State license. Download our Fraud Checklist
- Re-roof to FORTIFIED standards to strengthen your home and be eligible for insurance discounts.