Louisiana has many benefits in place for strengthening your home.

Consider a FORTIFIED Roof™ to save money on home insurance and taxes, and 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 further reduced rate or discount on their hazard insurance.

Lousiana Mitigation and Rebuilding Resources

FORTIFIED Insurance Discounts - Save up to 52%. 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.

The Residential Property Storm Mitigation Incentives brochure outlines insurance premium discounts and tax deductions currently available. Louisiana homeowners qualify for insurance discounts and tax incentives to strengthen their homes, 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)

Insurance, Disaster Assistance, and Contractor Tips

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.

Insurance claims

  • 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 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.

Funding Options to Help Rebuild or Re-Roof

Small Business Administration Loans

  • Take steps now to protect your home or business and reduce property damage with the help of the U.S. Small Business Administration (SBA).
  • Those affected by a disaster can rebuild stronger by increasing their SBA disaster assistance loan up to 20% of the verified physical damage to make mitigation improvements.
  • Generally, borrowers have two years after loan approval to request an increase for higher rebuilding costs, code-required upgrades, or mitigation.
  • Call (800) 659-2955 and ask about increasing your loan for mitigation purposes, or visit sba.gov/disaster for more information.
  • There is no cost to apply, and you are under no obligation to accept a loan if approved.

Fannie Mae's HomeStyle Renovation or HomeStyle Energy Loans

  • HomeStyle Renovation is a conventional mortgage that lets borrowers finance improvements, renovations, or repairs to a home at the time of purchase or as a refinance transaction—up to 75% of the as-completed appraised value of the property.
  • Both HomeStyle Renovation and HomeStyle Energy mortgages may be combined with a HomeReady® mortgage so that low-income borrowers can take advantage of flexible features and additional savings.

USDA- Single Family Housing Repair Loans & Grants

This program provides loans to very-low-income homeowners to repair, improve, or modernize their homes. Grants are also available for elderly very-low-income homeowners to remove health and safety hazards.

HUD 203(k) Loans

  • The Section 203(k) program is FHA's primary program for rehabilitating and repairing single-family properties.
  • These loans allow homebuyers and homeowners to finance both the purchase or refinancing of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.
  • The 203(k) program permits homebuyers and homeowners to finance up to
    $35,000 into their mortgage to repair, improve, or upgrade their homes.

HUD Mortgage Insurance for Disaster Victims - 203 (h)

  • Renters or homeowners are eligible for this program if their homes are located in an area designated by the President as a disaster area and were destroyed or damaged to such an extent that reconstruction or replacement is necessary.
  • Loans may be used to finance the purchase or reconstruction of a one-family home that will be the homeowner's principal residence.
  • The borrower must submit their application to an FHA-approved lending institution within one year of the President's disaster declaration.

Louisiana Policy and Legislation

LA 2021- HB 451 | Act 30 - FORTIFIED Construction Insurance Discounts

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.

Residential properties will require a FORTIFIED Designation certificate. Commercial properties will need a Letter of Compliance from the Insurance Institute for Business and Home Safety (IBHS).

In addition, any homeowner currently receiving mitigation credits or insurance discounts offered before July 1, 2022, may continue receiving those discounts as long as they meet the requirements. Insurance discounts are also available for meeting the Louisiana State Uniform Building Code.

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