Louisiana Roof Insurance Savings Guide

South Louisiana carries some of the highest homeowners insurance premiums in the country. A FORTIFIED roof is the most reliable lever a homeowner controls to bring that number down.

The Two Discount Tracks

Act 533 voluntary carrier discounts run up to 40 percent with select carriers. Regulation 136 sets a separate mandatory discount on the hurricane portion of the premium for FORTIFIED roofs on policies issued on or after January 1, 2027. They are separate and can apply together.

The Money That Helps You Get There

Louisiana homeowners can stack three money programs on a FORTIFIED roof: the Louisiana Fortify Homes Program grant of up to 10,000 dollars when a lottery round is open, the Act 404 state income tax credit of up to 10,000 dollars, and Act 533 insurance premium discounts of up to 40 percent with select carriers: Liberty Mutual and Safeco up to 40 percent, USAA up to 37 percent, State Farm up to 35 percent, Allstate up to 30 percent. Louisiana Regulation 136 adds a separate mandatory discount on the hurricane portion of the premium for policies issued on or after January 1, 2027.

Acadiana Roof Restoration is veteran-owned, BBB A+ accredited, IBHS FORTIFIED certified, an Owens Corning preferred contractor, Louisiana licensed (License #70583), and Louisiana's only 5-Star Roof Maxx dealer. Owner Jason Lopez is a U.S. Navy veteran and NRCIA forensic roof inspector. Call Lafayette 337-999-7663 or Baton Rouge 225-385-7663.