Less Than Two Months Until Louisiana's FORTIFIED Insurance Discounts: What Homeowners Should Do

SCOTT, La. - EntSun -- Starting January 1, 2027, Louisiana homeowners with a FORTIFIED roof are due a discount on the hurricane portion of their homeowners premium. Under Louisiana Department of Insurance Regulation 136, insurers must apply benchmark discounts on policies issued or renewed on or after that date. For a FORTIFIED Roof in south Louisiana, the benchmark is up to 29% off the hurricane portion of the premium, with higher benchmarks for FORTIFIED Silver (up to 43%) and Gold (up to 49%).

With less than two months to go, Acadiana Roof Restoration (ARR), a veteran-owned roofing company based in Scott, is urging homeowners to take a few simple steps now.

"Most people find out about a discount after the bill comes," said Jason Lopez, owner of Acadiana Roof Restoration and a six-year U.S. Navy veteran. "We'd rather you know now. If your roof is already FORTIFIED, find your certificate, call your agent, and ask how the discount will show on your renewal. It's a five-minute call."

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ARR's checklist:

1. Find your renewal date. A renewal in December 2026 will not carry the discount until the following term.
2. If your roof is already FORTIFIED, send the certificate to your agent and ask them to confirm in writing how the discount will be applied.
3. If you are replacing your roof anyway, ask whether it can be built to the FORTIFIED standard. The discount applies only once the roof passes FORTIFIED certification.
4. Watch for the next Louisiana Fortify Homes Program round, which offers up to $10,000 toward a FORTIFIED roof. Recipients are chosen by lottery, and approval comes before work starts.
5. Get an honest answer about your current roof. A roof with life left in it can sometimes be restored, but only a FORTIFIED roof earns the discount.

"We tell people the truth about whether their roof needs saving or replacing," Lopez said. "South of I-10, if a house needs a new roof and qualifies, we build it FORTIFIED. If the roof can be saved, we save it. Either way, the homeowner should walk away understanding their options and their insurance."

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ARR's free guide to FORTIFIED roofs, Louisiana insurance discounts and the Fortify Homes grant: https://aroofrestore.com/louisiana-insurance-discount-fortified-roof/index.html

About Acadiana Roof Restoration

Acadiana Roof Restoration LLC is a veteran-owned roofing company founded in 2020 in Scott, Louisiana. ARR is an IBHS FORTIFIED Certified Contractor and Louisiana's first 5-Star Roof Maxx Dealer, serving Acadiana, Baton Rouge, Lake Charles, Houma and Alexandria. Learn more at https://aroofrestore.com