The guide shelf
Each page below answers one question Lafayette and Baton Rouge homeowners actually ask before spending roof money. New to the subject? Start with the pillar guide at the top. Chasing one specific answer, on grant mechanics or an insurance discount? Jump straight to it. Program amounts and eligibility are not printed here at all, because they change and the agency owns them. Every fact carries its source, and claims that cannot be verified do not appear.
Louisiana attaches money to a FORTIFIED roof in three places: a grant that may be offered through the Louisiana Fortify Homes Program, a state income tax credit you may qualify for (Louisiana Department of Revenue), and the insurance discount state law requires. Program amounts and eligibility change, so this page publishes none of them. The agencies' own pages are the current ones.
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The Louisiana Fortify Homes Program and FORTIFIED, in one page
The pillar: the insurance-market history, the statutes, how parish eligibility is drawn, and the full contractor-evaluator-designation workflow.
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What a FORTIFIED roof costs
Contractor-published replacement ranges, the IBHS upcharge estimate, evaluator fees, and the three money layers that can offset the total.
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The cost and discount calculator
Both sides of the math on one page: what the job costs, and the annual insurance discount on the premium figure you supply. Sourced, dated, ranges only.
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The LFHP grant, step by step
Portal registration, how selection works, the three-bid rule, the separate evaluator, and when reimbursement money moves.
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The insurance discount lane
Statute 22:1483 in force now, the still-pending Regulation 136 benchmarks, the endorsement-offer rule, and how a designation becomes a smaller premium.
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The FORTIFIED standard, explained
Roof vs Silver vs Gold, requirement by requirement, plus the evaluator and the five-year redesignation cycle.
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Roof age and Louisiana insurance
The underwriting bands, the 2025 nonrenewal allowance, the claims-closure numbers, and the documentation that helps.
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Hiring a FORTIFIED roofer
How to verify credentials on the LDI and IBHS lists, the questions to ask, and the red flags to walk away from.
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Prefer to start from the work itself? The services index covers installation, replacement, evaluation, and insurance inspections, and the contact page starts a free quote from an independent, Louisiana-licensed roofing contractor. Primary sources always win: the program page at ldi.la.gov/fortifyhomes is the authority on grant status.
Updated