One place to compare contractors who build to the IBHS FORTIFIED Roof standard, see what each one has proven, and line up the three bids the Louisiana Fortify Homes grant asks for.
Every listing shows where its FORTIFIED claim comes from. Grant approval is checked against the state's list before a listing is marked approved.
Every FORTIFIED job needs an independent evaluator, paid by the homeowner. Contractors can't evaluate their own grant jobs.
The Louisiana Fortify Homes Program runs as a lottery. Here is the order of steps once you register.
Sources: LDI Fortify Homes FAQ, Preservation Resource Center.
Filed discounts for homeowners policies with a FORTIFIED Roof designation, from the state's 2025 report. New state benchmark rules take effect in January, so ask your agent for the current number.
| Insurer | Discount |
|---|---|
| Allstate Indemnity Company | 30% |
| Encompass Insurance Company of America | 30% |
| Encompass Indemnity Company | 30% |
| Allstate Insurance Company | 26% |
| Armed Forces Insurance Exchange | 24.3% (Territory A) |
| Allied Trust Insurance Company | 20% |
| Centauri National Insurance Company | 20% (masonry) |
| Lilypad Insurance Company | 20% (masonry) |
| Amica Mutual Insurance Company | 7%–19% |
| American National General Insurance Company | 7%–19% |
| Horace Mann Insurance Company | 10%–16% |
| Hanover Insurance Company | 15% |
| American First Insurance Company | 5%–15% |
| The First Liberty Insurance Corporation | 5%–15% |
| Gulf States Insurance Company | 5% |
Source: LDI Act 533 FORTIFIED discount report, 2025. Partial list; some discounts vary by territory or construction type.
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