- Fortified Roof
When severe weather strikes, a FORTIFIED Roof keeps the wind and rain out, preventing a cascade of damage that can destroy your home and belongings. FORTIFIED Roof was specifically designed to prevent damage that commonly occurs during high winds, hurricanes, hailstorms, severe thunderstorms, and even some tornadoes up to EF-2. No matter what type of roof you have—shingles, metal, or tile—the following FORTIFIED Roof requirements will make your home stronger.
Roof damage often begins when wind gets underneath the roof edge and begins ripping it away from the home. To help protect this vulnerable area, FORTIFIED requires specific materials and installation methods, including a wider drip edge and a fully adhered starter strip, that when used together create a stronger system.
SEALED ROOF DECK
If wind rips off your roof covering―such as shingles, metal panels or tiles―it exposes the wood beneath and allows water to pass through the gaps and enter your home. FORTIFIED requires roof decks to be sealed to prevent this type of water damage.
Instead of common smooth nails, FORTIFIED requires ring-shank nails, installed in an enhanced pattern, to help keep the roof deck attached to your home in high winds. In fact, using ring-shank nails nearly doubles the strength of your roof against the forces of winds.
In hail-prone areas, FORTIFIED requires shingles tested by IBHS to show they can withstand hail up to 2 inches in diameter. These shingles outperform typical Class 4 shingles when tested against realistic hailstones and will better protect your home.
Source: © 2022 FORTIFIED – A program of the Insurance Institute for Business & Home Safety
The Grant Process
Application: The policyholder will submit their grant application through the Strengthen Your Roof website within the application period. Grants are limited and are allocated and are allocated on a first-come, first-served basis.
NCIUA – NCIUA reviews the application for pre-eligibility
IBHS – IBHS reviews the application to verify that the property is eligible for a FORTIFIED Roof™.
Construction: Once approved, the policyholder will request bid (s) from the contractor (s) through their Strengthen Your Roof dashboard. We’ll Ensure Your Roof Matches Your Overall Curb Appeal.
Final Approval: After the construction is complete, the FORTIFIED Roof™ Evaluator will confirm the roof has been completed. Then all the required documentation for IBHS will be submitted.
Payment: NCIUA will distribute grant funds to the policyholder after everything has been submitted to the Association.
What is NCIUA’s Strengthen Your Coastal Roof Grant Program?
NCIUA’s STRENGTHEN YOUR COASTAL ROOF is a pilot program that will provide grants up to $6,000 for roof replacement with an IBHS FORTIFIED Roof™. This program is open to eligible policyholders with coastal properties (rating territories 130, 140, 150 and 160).
Eligible policyholders can apply online between September 30, 2022 and November 30, 2022. Once submitted, if the number of approved applications exceeds the available grant funds, all applications will be included in a lottery pool to be randomly selected to continue the grant process.
Once the lottery is completed, if there are available grants to be awarded, the grant program may be re-opened for eligible insureds to apply on a first come, first-served basis until all grants have been awarded.
Recipients will have until July 31, 2024 to install their FORTIFIED Roof.
Will I Be Getting a Free Roof?
The program will provide you with a grant up to $6,000 for roof replacement with an IBHS FORTIFIED™
Why is NCIUA encouraging policyholders to install new roofs?
Hurricane Florence, Hurricane Dorian, and Hurricane Isaias were the latest reminders that strong roofs are front-line defenders against high winds and severe rain. When a roof fails, it can initiate a cascade of damage to both a home’s interior and its structure. According to IBHS, in most years, roof-related damage is responsible for 70-90 percent of total insured residential catastrophic losses, depending on specific weather events. As startling as that statistic may be, it fails to capture the gravity of the human consequences and loss that results from roof failures—damaged homes and businesses disrupt daily life, derail careers, and destroy financial security. That’s why it is critical for homeowners and communities to protect roofs from the effects of severe weather.
Where can I learn more about IBHS?
Please visit FortifiedHome.org/Research to learn more about IBHS.
Will I get $6,000?
The grant maximum amount is $6,000. However, if the entire cost of installing a FORTIFIED Roof is less than $6,000, the grant amount will be limited to the total cost of the roof.
If you have any questions about our roofing and restoration services or would like to schedule an appointment, contact us today. Call us today (910) 408-6026 or fill out the form below.