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Fortified Roof

Posted on 4/3/24 at 10:39 am
Posted by YeastExtract
Member since Jul 2021
256 posts
Posted on 4/3/24 at 10:39 am
Since the grant program has mostly been gutted, anyone still looking to add a fortified roof? I’m trying to decide if it’s worth it or just get a regular replacement. Any info, experiences, thoughts appreciated.
Posted by RaginCajunz
Member since Mar 2009
5388 posts
Posted on 4/3/24 at 10:55 am to
I had a new roof put on about 2 weeks ago, and upgrade it to Fortified. I'm currently waiting on the certificate to come back so I can file it with my insurance.

It was an insurance claim after hail, although they said I didn't have any hail damage but enough wind damage to replace it (Farm Bureau) I paid a relatively small upgrade charge to go with the fortified.

I've experienced 2 years of 50% increases with FB. My policy in Ascension jumped up to $6,200/year this past December. The fortified roof will bring my policy back down to $3375. Nearly a 50% savings that easily pays for the increase in a fraction of a year.

I wouldn't put a new roof on that wasn't fortified personally. For starters, knowing how contractors suck, having a 3rd party inspector come in after to certify their work is a nice peace of mind. Dude spent 20 minutes in my attic counting nails and assuring they hit the rafters. The roofing company had to provide over 600 photos along the way to the inspection company as well proving their work.

I opted for taped seams, but they actually ended up putting ice and water across 100% of my roof.

The inspector had a long chat with me and a benefit I hadn't thought of. He was saying how insurance companies love having fortified roofs on their books. It turns the property into a desirable asset to insure in risky areas.


This post was edited on 4/3/24 at 10:56 am
Posted by WB Davis
Member since May 2018
2088 posts
Posted on 4/3/24 at 4:02 pm to
Last year, for the second time in less than 20 years, our asphalt roof got trashed in a hail storm.

The roof had just surpassed 15 years in age so the deductible was crazy expensive.

We got tired of paying those deductibles so we got a class 2 metal (standing seam) roof. The appearance is much nicer than expected.

Were surprised that our homeowner's premium dropped by 33% as a result of switching to a metal roof.

You might check with your insurance agent to verify.
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