The Louisiana Department of Insurance finalized the promulgation of Regulation 136—Fortify Homes Premium Discounts.
The regulation requires property and casualty insurers to offer premium discounts for homes that meet IBHS's FORTIFIED standards. Homes must be built or improved to meet IBHS's standards and receive a FORTIFIED designation. The program focuses on roof standards in order to mitigate losses caused by hurricanes or other catastrophic losses.
Insurers must offer discounts in accordance with the rates published here. If an insurer wants to offer discounts below the published rates, it must file a request with the commissioner for approval and include actuarial justification. If an insurer wants to offer additional discounts, it may do so without approval if the discount is actuarially justified.
The regulation is effective September 20, 2026, and can be found in the Louisiana Register.
September 21, 2026, Update
The Department also published a press release announcing that the state is investing an additional $20 million into the program, bringing the total to $100 million. $20 million will be transferred from the U.S. Department of Housing and Urban Development to the Louisiana Office of Community Development Restore Resilient Opportunities for Overhead Fortification program.
Ray Sugrim
Ray Sugrim is an Insurance Editor with FC&S Expert Coverage Interpretation, a division of National Underwriter Company and Arc Network. Ray is responsible for helping develop and edit content for subscribers. Ray is a St John’s University graduate with a degree in Risk Management & Insurance and is a CPCU candidate.