FORTIFIED Roofing Pays: New Study Shows Huge Drop in Claims
How to start saving money
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Why it is important to start saving
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How much money should I save?
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What percentege of my income should go to savings?
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A new study by the Alabama Department of Insurance and the University of Alabama’s Center for Risk and Insurance Research confirms that homes built to the Insurance Institute for Business & Home Safety’s (IBHS) FORTIFIED standards suffered significantly less damage during Hurricane Sally.
Released Monday, the report found that FORTIFIED Roof homes had 73% fewer claims, 15% lower severity, and 72% lower loss ratios than standard homes. FORTIFIED Gold homes performed even better, with 76%, 24%, and 67% reductions, respectively.
Hurricane Sally struck Gulf Shores, Alabama, as a Category 2 storm in September 2020. The study analyzed data from 86 insurance carriers covering over 40,000 homes south of Interstate 10, identifying 7,417 FORTIFIED properties.
FORTIFIED standards include features like sealed roof decks, ring-shank nails, reinforced edges, and wind-resistant vents. Silver and Gold levels add impact-rated openings, braced gables, anchored chimneys, and continuous load paths.
IBHS describes FORTIFIED as a voluntary, beyond-code program to protect homes from extreme weather. Yet, only 35% of hazard-prone areas nationwide have adopted modern, hazard-resistant building codes.
Alabama leads the nation with over 53,000 certified FORTIFIED homes. Other states offer financial incentives: Louisiana grants up to $10,000 per home; Florida and North Carolina offer similar programs. Texas and several other states are considering similar legislation.
Insurance companies continue to expand discounts—ranging from 10% to 55%—on wind premiums for FORTIFIED homes. One sample showed average savings between 20% and 30%.
The study estimated that if all Alabama homes had FORTIFIED roofs during Sally, policyholders could have saved $32.6 million, and insurers nearly $100 million in payouts.
While recent U.S. tariffs have increased costs for materials like metal panels and fasteners—up to 15% since early 2025—the study still found a 66–71% reduction in overall damage, confirming strong returns on investment.
Alabama Insurance Commissioner Mark Fowler said the findings offer “clear empirical data” validating resilience efforts and urged broader adoption. The report concluded that FORTIFIED fastening systems were key to preventing roof failures—making a strong case for widespread use in hurricane-prone areas.
Homeowners now have solid proof that resilient construction not only improves safety but also adds long-term value and savings.
20 years of experience in energy efficiency and rooftop solar development, now building Fortifyy.
