FORTIFIED Construction Standards

IBHS turns research and insights into actions policyholders may take to reduce costs associated with weather-related losses. FORTIFIEDHome.org and FORTIFIEDCommercial.org are policyholder-focused sites. We encourage you to provide the links to policyholders via email, social channels, etc.

FORTIFIED Standards go beyond typical building codes to deliver superior performance during severe weather (such as hurricanes, strong thunderstorms, and lower-level tornadoes). FORTIFIED is a nationally recognized building method based on more than 20 years of scientific research and real-world testing by IBHS.

Recent legislation enacted in Alabama (HB 283) requires “insurance companies writing homeowners insurance [to] offer a fortified bronze roof endorsement to upgrade a non-fortified home, which is otherwise eligible for a fortified standard, to a fortified standard identified in Section 27-31D-2, when the insured incurs damage covered by the policy requiring the roof to be replaced.”

Offered for a premium, these endorsements will insure the additional costs of bringing a roof to the FORTIFIED Roof standards, as well as the necessary costs for FORTIFIED certification.  The endorsements will only apply to homes that meet the minimum eligibility standards of the FORTIFIED program, and will only be triggered when a full roof replacement is otherwise covered by the insurer.

Alabama Endorsement

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