LA| The Louisiana Department of Insurance issued Bulletin 2025-03 to remind all property and casualty insurers and producers of their obligations regarding the Louisiana Fortify Homes Program and related insurance discounts and endorsements. Insurers and producers must be knowledgeable about the program’s governing laws, clearly explain available premium discounts and endorsements to insureds, and ensure that only the IBHS FORTIFIED© Certificate is required to qualify for the fortified roof discount—separate from other wind mitigation discounts.
Key Points:
- Insurers and producers are required to inform insureds about their rights to premium discounts and endorsements under the Louisiana Fortify Homes Program, including the specific amounts and eligibility requirements.
- The IBHS FORTIFIED© Certificate is the sole documentation needed to obtain the FORTIFIED© Roof Discount; no additional hurricane loss mitigation forms are required.
- Wind mitigation discounts and IBHS FORTIFIED© Roof discounts are distinct, and insurers must provide updated quotes reflecting any required endorsements as mandated by law.