The North Carolina Insurance coverage Underwriting Affiliation this week marked the 15,000th fortified roof within the state, an enormous improve for the reason that grant program started in 2017.
“I applaud the NCIUA for investing over $100 million on this extremely profitable and rising program,” state Insurance coverage Commissioner Mike Causey stated in an announcement. “Since being sworn in January 2017, once we had fewer than 100 fortified roofs in North Carolina. Right now, we’re right here to have fun 15,000 fortified roofs in our state. That’s progress!”
North Carolina now ranks second within the nation in fortified roofs, he stated.
A research by North Carolina State College discovered that owners with fortified roofs have been 34% much less more likely to file an insurance coverage declare after 4 hurricanes hit the state in recent times. For those who filed a declare, the injury was 22% much less extreme in comparison with houses with normal roofs, Causey famous.
The Institute for Business and Home Safety’s Fortified normal permits shingle roofs however requires stronger edges, requires the underlying decking to be sealed and fixed with better-holding ring-shank nails. In recent times, the NCIUA and state lawmakers have offered roof grants for elements of the state, which qualify houses for premium reductions.
In late 2024, the affiliation expanded its program for the Outer Banks, providing grants as much as $10,000 for houses to preemptively set up new roofs to fulfill the IBHS normal. That program is funded largely by means of the affiliation’s personal surplus accounts.
Earlier this yr, U.S. Sen. Thom Tillis, R-NC, and 4 others launched the Catastrophe Mitigation and Tax Parity Act of 2025, which might enable residents to exclude the mitigation grants from earnings when paying federal taxes. That invoice is awaiting motion within the Senate.
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