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

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 the Louisiana Regulation 136 discount on the hurricane portion of the premium, required no later than January 1, 2027: 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, per the Louisiana Department of Insurance.

Acadiana Roof Restoration is veteran-owned, BBB A+ accredited, IBHS FORTIFIED certified, an Owens Corning preferred contractor, Louisiana licensed (License RL.890511), and Louisiana's first 5-Star Roof Maxx dealer. Owner Jason Lopez is a U.S. Navy veteran. Call Lafayette 337-999-7663 or Baton Rouge 225-385-7663.