Together with American Family Insurance, Smart Home America has developed the Resilience for All pilot project to help nonprofit builders in Minnesota/Wisconsin install FORTIFIED roofs over two years.
This project tackles the critical issues of housing affordability, disaster resilience, and insurance accessibility. American Family Insurance's commitment to championing dreams and fostering community advancement makes them a natural partner in our mission to build more resilient communities.
We aim to empower nonprofits to deliver safer, more resilient housing that withstands severe weather, thereby better protecting families in vulnerable communities.
What is FORTIFIED?
FORTIFIED is a voluntary construction and re-roofing standard developed by the Insurance Institute for Business & Home Safety (IBHS), based on decades of research and testing.
It strengthens homes against severe weather like high winds, hail, and tornadoes, common in Minnesota and Wisconsin, by addressing weaknesses in conventional building practices.
The FORTIFIED Roof™ level focuses on the roof as the first line of defense, with upgrades including:
- Sealed roof deck to prevent water intrusion
- Impact-resistant shingles for hail protection
- Reinforced edges and enhanced fastening to resist wind uplift
These enhancements can prevent structural failure during storms, reducing damage and repair costs.
FORTIFIED upgrades can be applied to new construction and re-roofing/rehab properties.
All FORTIFIED Homes are required to undergo a third-party inspection by a certified FORTIFIED evaluator. This is a crucial step to ensure compliance with the construction standards. Many evaluators offer discounted services to nonprofits.
Learn more at fortifiedhome.org
See the difference between conventional and FORTIFIED construction. ©The Insurance Institute for Business and Home Safety
Who is Smart Home America?
Smart Home America is a nonprofit organization based in Mobile, Alabama, dedicated to creating stronger, more resilient communities through education, technical assistance, and advocacy for resilient construction practices.
We train thousands of professionals each year on disaster resilience, FORTIFIED standards, property mitigation, building codes, and insurance. Our work includes expert guidance to implement resilient solutions, support for expanding FORTIFIED adoption, efforts to improve building codes, and programs that help build safer, more insurable, and disaster-ready homes and communities.
About the Grant Program
The Resilience for All pilot project is designed specifically for nonprofit builders in Minnesota and Wisconsin. Over two years (2026-2027), we aim to support the installation of FORTIFIED Roofs on new or re-roofed affordable homes.
What We Offer:
- Free Training and Certifications: Access our online and in-person courses on FORTIFIED standards.
- Free Technical Assistance: Expert guidance from our team to integrate FORTIFIED into your projects.
- One Grant per FORTIFIED Roof™: Financial support to offset upgrade costs, up to a specified amount per roof (details provided upon eligibility confirmation). New construction or re-roofing projects can qualify.
Eligibility Criteria:
- Must be a registered 501(c)(3) nonprofit organization focused on affordable housing construction or rehabilitation.
- Projects located in Minnesota or Wisconsin.
- Commitment to install a FORTIFIED Roof™ on at least one home within the program period.
- Willingness to share project outcomes for program evaluation.
Application and Grant Process:
- Schedule an introductory call.
- Complete a simple commitment form with basic project details.
- Upon approval, receive training and technical assistance.
- Specify projects and ensure eligibility.
- After the property(s) receive their FORTIFIED designation certificate, grant funding will be distributed.
Applications are reviewed on a rolling basis.
The Benefits of FORTIFIED for Nonprofits and Families
By incorporating FORTIFIED Roofs, your organization can:
- Deliver Safer, More Insurable Homes: Reduce risks from hail, wind, and tornadoes, making homes eligible for insurance discounts and easier to insure.
- Affordable Upgrades with Proven Impact: Cost-effective enhancements that pay off in long-term savings and resilience.
- Qualify for Insurance Benefits: Partner with insurers for potential discounts or incentives.
- Enhance Community Impact: Build trust with donors and families by providing disaster-ready housing.
Frequently Asked Questions (FAQ)
Who can apply? Nonprofit builders in MN/WI focused on affordable housing. See eligibility above.
What costs are covered? Grants cover incremental costs for FORTIFIED materials and installation. The project scope determines exact amounts.
How long does it take to get approval for a roofing project for funding? Typically, 3-5 business days after an introductory meeting.
Are there reporting requirements? Yes, a simple end-of-project report to share outcomes and before-and-after photos of the property.
Can we apply for multiple roofs? Yes, one grant per roof, with potential for multiple per organization.
Success Stories
While this is a new pilot, hear from a nonprofit we've worked with to fund and install FORTIFIED Roofs
We build homes stronger so our people don't have to be. Working with Smart Home America to install FORTIFIED Roofs helps us make our homes more insurable and protect families from the next storm. If you get a chance, I recommend working with them. They are knowledgeable, supportive, and caring.
- William Stoudt, Rebuilding Together New Orleans
Explore more testimonials on fortifiedhome.org.
Learn More and Get Started Today
Ready to protect more families with resilient roofing? Contact us to discuss how Resilience for All can support your next project.
- Phone: 251-206-5630
- Email: candace@smarthomeamerica.org