How we check FORTIFIED Roof incentives
Incentive pages go stale fast: a grant fund empties, a credit expires, an insurer refiles its rates. This page says what we count as proof, how we label what we found, and what we refuse to print. The results are on the FORTIFIED Roof hub. Last full check: 2026-10-06.
What counts as a source
- The state. A statute, a regulatory bulletin or a page of the state insurance department or housing agency.
- IBHS. The Insurance Institute for Business and Home Safety writes the FORTIFIED standard and keeps a financial-incentives page for each state it follows.
- The insurer or a state-backed insurer, only for its own endorsement or discount.
Blogs, contractor ads and forum posts are not sources, even when their numbers look right.
How a figure is labeled
| Label | Meaning |
|---|---|
| confirmed | Two independent sources, usually the state and IBHS, give the same figure. Where only one of them states a given figure, the page says "1 source". |
| one government source | A state document states it and we could not open a second. The figure is printed with its source and the page says so. |
| partly confirmed | A program exists in statute but we could not confirm the amount or whether it is funded. |
| sources disagree | Two sources give different numbers. We print neither as the answer and show both. |
| no data | We found nothing we can cite. We print no number. It does not mean no program exists. |
What we do not claim
- That any discount applies to your house. Insurers set discounts by carrier, location and filing date.
- That a grant fund still has money. Programs run until funds run out.
- That a tax credit lowers your bill by its full face value. It depends on what you owe.
- That FORTIFIED prevents damage. It makes the roof system harder to strip and keeps more water out when the covering fails.
How the hail figures are made
Hail counts come from NOAA's Storm Events database, the same file behind our hail check and county history pages. One report is one entry: a storm that hit several counties produces several. They show how often hail was reported, not how much damage it did.
How the calculator works
You enter the FORTIFIED roof price, the price of the same roof without the extra work, your yearly premium, the discount your insurer quoted and any grants or credits you expect. It subtracts the grants from the extra cost, multiplies premium by discount for the yearly saving and divides. The chart shows the same sum at three discount levels. The tool never fills in a discount for you; the state page only shows what is confirmed as a ceiling.
Limits
- Some state or IBHS pages block automated readers. When we could not open a page, we used a saved copy or left the figure out, and the table says "no data".
- We have not checked every state. States not shown as a row in the hub table were not reviewed.
- Found a wrong figure? Tell us the page that shows the right one and we will recheck the row.
General information only, not legal, tax or insurance advice.