In several states, insurance companies are helping policyholders make their next roof stronger by offering FORTIFIED Roof endorsements. While coverage varies by carrier, the added insurance is designed to make upgrading to a FORTIFIED Roof more affordable for homeowners. Endorsements are only triggered when a full roof replacement is otherwise covered by the insurer and only apply to homes that already meet the minimum eligibility standards of the FORTIFIED program.
If your roof is new and not in need of replacing, then upgrading to FORTIFIED Roof can be a significant investment. Purchasing an endorsement won’t give you the next level protection of a FORTIFIED Roof, but it can ensure you won’t have to suffer through significant storm damage a second time.
I’m an adjuster. What roofing upgrades are required by FORTIFIED?
FORTIFIED Roof requires a series of beyond-code upgrades to address three main vulnerabilities: roof deck-to-house connections, roof edges, and gaps in the roof deck. Depending on which building code it is compared to, the upgrades will vary. That said, a list of potential upgrades is provided here.
Does my insurer offer a FORTIFIED endorsement?
Most insurance companies in Alabama offer a FORTIFIED endorsement to their policyholders. Other states where FORTIFIED endorsements are known to be offered are North Carolina and Mississippi. Please contact your insurance agent for specific details.
I’m a roofing contractor. Where can I learn more about installing a FORTIFIED Roof?
FORTIFIED Roof requires a series of beyond-code upgrades to address three main vulnerabilities: roof deck-to-house connections, roof edges, and gaps in the roof deck. The requirements are detailed in the Re-Roofing Checklist. Several instructional videos are available on this website, and FORTIFIED Wise University™ offers flexible online training for a very reasonable price.
How much coverage does the endorsement usually provide?
All endorsements help to lower the cost of upgrading a new roof to the FORTIFIED standards; however, the specific coverages vary by company. Some endorsements cover material, labor, and certification costs up to a specified limit, while others cover just the cost of the independent third-party FORTIFIED Evaluator. Please contact your insurance agent for specific details.
How much does a FORTIFIED endorsement cost?
The premium charged for a FORTIFIED endorsement is determined by the individual insurer and varies. Please contact your insurance agent for specific details.
Two carriers have elected to provide FORTIFIED endorsements to their policyholders at no cost. Click for more details on endorsements offered by North Carolina Insurance Underwriters Association and Mississippi Underwriters Wind Association.
I have the endorsement and my roof is damaged. What do I do next?
First, make sure your adjuster is aware that you have the FORTIFIED endorsement. Next, find a contractor who can install a FORTIFIED Roof. If that’s not possible, engage a FORTIFIED Evaluator to help you and your roofing contractor through the re-roofing and documentation process. These professionals know the required upgrades and understand the documentation needed in order to get a FORTIFIED designation (typically required for insurance discounts and mitigation credits).