The guide shelf
Each page below answers one question Lafayette and Baton Rouge homeowners actually ask before spending roof money. New to the subject? Start with the pillar guide at the top. Chasing one specific answer, on grant mechanics or an insurance discount? Jump straight to it. Figures render from one dated status card, every fact carries its source, and claims that cannot be verified do not appear.
LFHP status as of 2026-07-19: CLOSED between rounds. Louisiana offers a nonrefundable state income tax credit of 100 percent of qualified out-of-pocket FORTIFIED roof expenses, up to $10,000, for projects completed on or after July 1, 2025. Confirm current program terms at ldi.la.gov/fortifyhomes.
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The Louisiana Fortify Homes Program and FORTIFIED, in one page
The pillar: the insurance-market history, the statutes, the 2026 round record, and the full contractor-evaluator-designation workflow.
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What a FORTIFIED roof costs
Contractor-published replacement ranges, the IBHS upcharge estimate, evaluator fees, and the three layers that subtract from the total.
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The LFHP grant, step by step
Portal registration, the random-selection reality, the three-bid rule, the separate evaluator, and when reimbursement money moves.
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The insurance discount lane
Statute 22:1483, Regulation 136 and its 2027 benchmarks, the endorsement-offer rule, and how a designation becomes a smaller premium.
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The FORTIFIED standard, explained
Roof vs Silver vs Gold, requirement by requirement, plus the evaluator and the five-year redesignation cycle.
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Roof age and Louisiana insurance
The underwriting bands, the 2025 nonrenewal allowance, the claims-closure numbers, and the documentation that helps.
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Hiring a FORTIFIED roofer
How to verify credentials on the LDI and IBHS lists, the questions to ask, and the red flags to walk away from.
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Prefer to start from the work itself? The services index covers installation, replacement, evaluation, and insurance inspections, and the contact page starts a free match with an independent, Louisiana-licensed roofing contractor. Primary sources always win: the program page at ldi.la.gov/fortifyhomes is the authority on grant status.