Grants directory
Fortified Homes & Mitigation Credits
North Carolina Department of Insurance · State program
Insurance premium discounts may be available; amount not stated
North Carolina says certain homeowners insurance mitigation credits may be available in the state’s beach and coastal territories for homes with qualifying wind- and hail-resistant construction. The discount is tied to FORTIFIED features and is offered through insurers, not as a state cash payment.
Program details
How it works
The Department of Insurance says certain mitigation credits, or discounts, may be available for qualifying homeowners insurance policies in North Carolina’s beach and coastal territories. The credits can reduce premium costs for wind and hail coverage on homes with qualifying construction features.
What the money covers
The page points homeowners to the FORTIFIED program, a voluntary construction and re-roofing program created by the Insurance Institute for Business & Home Safety (IBHS). It says FORTIFIED uses an inspection and verification process and can make a home eligible for mitigation credits from the homeowners insurance company.
Notes
- This is an insurance discount, not a grant or rebate from the state
- The page says to contact your agent or insurance company to find out whether your home qualifies
- The page excerpt does not list a dollar amount or percentage for the discount
Geographic limits
The page specifically references North Carolina’s beach and coastal territories.
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