Act 533: Louisiana FORTIFIED Roof Insurance Discounts

Louisiana Act 533 directs insurers to offer premium discounts to homeowners whose roofs meet the IBHS FORTIFIED standard. It is one of two separate savings tracks tied to a FORTIFIED roof.

The State Discount Levels

Under Louisiana Regulation 136, insurers must discount the hurricane portion of the premium for FORTIFIED homes no later than January 1, 2027, at 29, 43, and 49 percent for FORTIFIED Roof, Silver, and Gold in South zone parishes, 27, 35, and 42 percent in Central, and 16, 20, and 24 percent in North, according to the Louisiana Department of Insurance. Actual discounts vary by carrier, policy, and property. Confirm with your agent.

How to Claim It

Give your carrier the FORTIFIED certificate issued by an independent IBHS Evaluator. Regulation 136 adds a separate mandatory hurricane-portion discount on policies issued on or after January 1, 2027.