{"id":4811,"date":"2026-06-14T16:16:33","date_gmt":"2026-06-14T16:16:33","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/how-us-states-pay-for-home-fortification-is-as-important-as-whether-they-do\/"},"modified":"2026-06-14T16:16:33","modified_gmt":"2026-06-14T16:16:33","slug":"how-us-states-pay-for-home-fortification-is-as-important-as-whether-they-do","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/how-us-states-pay-for-home-fortification-is-as-important-as-whether-they-do\/","title":{"rendered":"How US states pay for home fortification is as important as whether they do"},"content":{"rendered":"<div>\n<p>Louisiana&#8217;s approach has produced measurable results. Homeowners who upgraded their roofs to FORTIFIED standards saw an average annual premium reduction of 22%, according to a report from the Louisiana Legislative Auditor, with more than a quarter of participants saving $2,000 or more per year. The state offers a $10,000 income tax credit for FORTIFIED roof installation and, as of January 2026, a deduction worth up to $10,000 for voluntarily retrofitting a home. In April 2026, Louisiana&#8217;s insurance department went further still, requiring every property insurer in the state to provide mandatory premium discounts on FORTIFIED-designated homes by January 1, 2027, with discount levels prescribed by a benchmark table developed by the National Association of Insurance Commissioners.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Louisiana&#8217;s approach has produced measurable results. Homeowners who upgraded their roofs to FORTIFIED standards saw an average annual premium reduction of 22%, according to a report from the Louisiana Legislative Auditor, with more than a quarter of participants saving $2,000 or more per year. The state offers a $10,000 income tax credit for FORTIFIED roof [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4812,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[3783,210,3363,215,2786],"class_list":["post-4811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-fortification","tag-home","tag-important","tag-pay","tag-states"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/4811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=4811"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/4811\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/4812"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=4811"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=4811"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=4811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}