FAQ

Frequently Asked Questions

1. 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.

2. 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™

3. 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.

4. Where can I learn more about IBHS?

Please visit FortifiedHome.org/Research to learn more about IBHS.

5. 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.