Less Than Two Months Until Louisiana’s FORTIFIED Insurance Discounts Take Effect: What Homeowners Should Do Now

Veteran-owned Acadiana Roof Restoration publishes a five-step checklist so Louisiana homeowners do not miss Regulation 136 FORTIFIED discounts starting in 2027.

SCOTT, LA, UNITED STATES, November 10, 2026 /EINPresswire.com/ — Starting January 1, 2027, Louisiana homeowners with a FORTIFIED roof are due a discount on the hurricane portion of their homeowners premium. Under Louisiana Department of Insurance Regulation 136, insurers must apply benchmark discounts on policies issued or renewed on or after that date. For a FORTIFIED Roof in south Louisiana, the benchmark is up to 29% off the hurricane portion of the premium, with higher benchmarks for FORTIFIED Silver (up to 43%) and Gold (up to 49%). Central and north Louisiana have their own, lower benchmarks.

With less than two months to go, Acadiana Roof Restoration (ARR), a veteran-owned Louisiana roof restoration company based in Scott, is urging homeowners to take a few simple steps now, so the discount is not missed at their first 2027 renewal.

“Most people find out about a discount after the bill comes,” said Jason Lopez, owner of Acadiana Roof Restoration and a six-year U.S. Navy veteran. “We’d rather you know now. If your roof is already FORTIFIED, find your certificate, call your agent, and ask how the discount will show on your renewal. It’s a five-minute call.”

ARR’s checklist for Louisiana homeowners:

1. Find your renewal date. The Regulation 136 discount applies to policies issued or renewed on or after January 1, 2027. A renewal in December 2026 will not carry it until the following term.
2. If your roof is already FORTIFIED, send the certificate to your agent. Ask the agent to confirm in writing how the discount will be applied to the hurricane portion of your premium.
3. If you are replacing your roof anyway, ask whether it can be built to the FORTIFIED standard. The discount applies only once the roof passes FORTIFIED certification, so ask any contractor how they document each step for the evaluator.
4. Watch for the next Louisiana Fortify Homes Program round. The program offers up to $10,000 toward a FORTIFIED roof. Recipients are chosen by lottery, not first come, first served, and not based on income. Acceptance comes before any work starts, so do not begin a roof job and expect the grant to cover it afterward.
5. Get an honest answer about your current roof. Not every roof needs replacing. A roof with life left in it can sometimes be restored instead, but a restoration does not earn the FORTIFIED discount. Only a roof with a FORTIFIED designation does.

The state has made FORTIFIED roofs a priority in 2026. In September, Governor Jeff Landry and Insurance Commissioner Tim Temple announced that total state investment in FORTIFIED home projects this year has reached $100 million, as reported by WAFB and Insurance Journal.

“We tell people the truth about whether their roof needs saving or replacing,” Lopez said. “South of I-10, if a house needs a new roof and qualifies, we build it FORTIFIED. If the roof can be saved, we save it. Either way, the homeowner should walk away understanding their options and their insurance.”

On ARR’s FORTIFIED jobs, a project manager stays on site all day, and each step is signed off on a quality-control checklist by the crew member who did the work, a system Lopez built from his years in the Navy.

Homeowners can find ARR’s free guide to FORTIFIED roofs, Louisiana insurance discounts and the Fortify Homes grant at https://aroofrestore.com/louisiana-insurance-discount-fortified-roof/index.html.

About Acadiana Roof Restoration

Acadiana Roof Restoration LLC is a veteran-owned roofing company founded in 2020 and based at 211 Hulco Drive, Scott, Louisiana. Owner Jason Lopez served six years in the U.S. Navy. ARR is an IBHS FORTIFIED Certified Contractor, Louisiana’s first 5-Star Roof Maxx Dealer, an Owens Corning Preferred Contractor, an EPA Lead-Safe Certified Firm and a BBB A+ Accredited Business, licensed by the Louisiana State Licensing Board for Contractors (residential license RL890511). ARR serves the Acadiana region, the Baton Rouge region, Lake Charles, Houma and Alexandria, offering FORTIFIED roof replacement and Roof Maxx restoration, which costs approximately 20-25% of total replacement cost including all prep work and extends shingle life up to 5 years per treatment, for up to three treatments. The company’s promise: “We tell you the truth about whether your roof needs saving or replacing.” Learn more at https://aroofrestore.com.

Jason Lopez
Acadiana Roof Restoration LLC
337-999-7663

Media gallery