Louisiana Updates Progress on Benchmark Insurance Discounts for FORTIFIED Roofs
Homeowners across the Gulf Coast keep asking the same question: “If I upgrade my roof, will my insurance actually recognize it?” An early-February update from the Louisiana Department of Insurance (LDI) points toward clearer, more consistent benchmark discounts for verified FORTIFIED roofs.
What’s the update?
LDI says it is continuing work on a regulation that would create benchmark discounts for FORTIFIED roofs in Louisiana. The department notes it is working with the National Association of Insurance Commissioners (NAIC) and using Louisiana-specific data, hurricane modeling, and actuarial considerations to build the benchmark approach.
LDI has also indicated it plans to share more details on when benchmark discounts would go into effect as the process moves forward.
Why this matters for Gulf Coast homeowners
When discounts are clearer and more consistent, it becomes easier to compare policies, plan a reroof budget, and understand what documentation you will need for the credit to actually apply. This is especially important for wind and wind-hail portions of a policy, where mitigation features are typically recognized.
If you want the “big picture” version with practical next steps, see: Louisiana FORTIFIED roof discounts — what to do now.
Simple homeowner checklist (no jargon)
You don’t need to do everything at once. The goal is to be ready before your next reroof or renewal so your upgrade is easier to verify and your paperwork is clean.
- Know your renewal date. Put it on your calendar so you’re not rushing at the last minute.
- Ask your insurer what they require. Specifically ask what proof they need for FORTIFIED roof credits and how the credit is applied.
- Start a documentation folder. Save proposals, invoices, product details (when relevant), and job photos.
- Learn the basics before you sign a reroof scope. Helpful references: Louisiana Fortify Homes (LFHP) registration checklist and Sealed roof deck guide.
Done right, a stronger roof can protect your home in storms and make it easier to pursue the insurance recognition you expect.
DIY note: what’s reasonable to do yourself
If you’re a hands-on homeowner, you can still do “safe” prep that helps: keep a folder of roof photos from the ground, document any interior staining quickly, and keep gutters and downspouts flowing so water is not constantly stressing the roof edge.
But roof work and FORTIFIED-style upgrades are not casual DIY projects. If your goal includes verified mitigation and insurance credits, professional installation and proper documentation are usually what makes the difference between “nice upgrade” and “recognized upgrade.”
FAQ: Benchmark Discounts and FORTIFIED Roofs
What are “benchmark discounts”?
Benchmark discounts are intended to make roof-mitigation credits more consistent and easier to understand, especially when a home has a verified FORTIFIED roof.
Do I automatically get a discount after a roof replacement?
Not automatically. Discounts typically depend on which mitigation features are installed and whether your insurer accepts the documentation and verification.
What paperwork usually helps the most?
Invoices, clear job photos, and verification-related documents (when applicable) are commonly the most helpful items when asking for credits.
Should I shop my insurance if I have a verified upgrade?
It can be smart to compare options. A resilient roof can make your home more attractive to carriers, and shopping can help you see how different companies apply credits.
Need a professional roof plan and documentation path?
If you’re considering a roof upgrade with storm-resilience goals and you want your documentation handled correctly, start with a professional inspection and a written scope. Learn more here: Roofing services in Louisiana & Mississippi.
To discuss a roof plan or request an estimate, call Southern Home Improvement Center (SHIC) at (985) 643-6611 or (225) 766-4244.
