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FORTIFIED Roof Premium Discount Requirements
Louisiana Department of Insurance · State program
Hurricane premium discounts vary by region and FORTIFIED level; the official benchmark table lists percentages by North, Central, and South Louisiana.
Louisiana has adopted benchmark premium discounts for homes that obtain a FORTIFIED designation, and insurers are directed to implement the discounts by January 1, 2027. The discounts apply to the hurricane portion of the premium and vary by region and FORTIFIED level.
Program details
How it works
The Department of Insurance says it issued Bulletin 2026-04 to notify all property and casualty insurers authorized to write insurance in Louisiana of Regulation 136—Fortified Homes Premium Discounts. The regulation requires insurers to provide premium discounts for residential properties that obtain a FORTIFIED designation under IBHS standards.
What the discount covers
The page lists residential hurricane-only premium discounts by region for FORTIFIED Roof, Silver, and Gold designations. The department says the discounts apply to the hurricane portion of the premium.
Amounts and matching
The page shows benchmark discounts by region. For example, the posted table lists North, Central, and South Louisiana tiers, with percentages increasing from FORTIFIED Roof to Silver to Gold.
Timing and deadlines
The page says insurers are directed to implement the discounts no later than January 1, 2027.
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