Reasons a fortified roof is a smart investment

4 Reasons a Fortified Roof is a Smart Home Investment

Your home is your castle, but is it ready to stand strong against severe storms? If you live in an area prone to hurricanes, hail, or other severe weather, you might worry about your roof’s ability to protect your home. Developed by the Insurance Institute for Business & Home Safety (IBHS), a Fortified roof is built to a higher standard to provide an extra layer of defense.

But the benefits of a Fortified roof go further than you might think – let’s explore the 4 biggest reasons upgraded protection is the way to go.

What is a Fortified Roof?

A FORTIFIED roof follows a strict set of standards created by the Insurance Institute for Business & Home Safety (IBHS). These standards aim to make a roof better able to handle things like hail and high winds.

There are three different levels of FORTIFIED Home designation – Bronze, Silver, and Gold. Each level adds more protection, but the Bronze level focuses mainly on making the roof stronger.

To get a FORTIFIED roof, you need to use specific materials and installation methods. This includes things like using stronger nails to attach the roof decking, sealing the roof deck to prevent leaks, and using shingles that are rated for high winds. A special inspector called a FORTIFIED evaluator, will check the roof to make sure it meets all the standards.

Three types of fortified home and roof solutions.

Why it’s a Smart Investment

A FORTIFIED roof is a valuable upgrade for any homeowner. While the upfront cost may be higher than a standard roof, the long-term benefits can far outweigh the initial investment. Here are five key reasons why:

1) Better Protection

The primary benefit of a FORTIFIED roof is the added protection it provides against severe weather. With its stronger roof deck attachment, sealed roof deck, and high-wind-rated roof coverings, a FORTIFIED roof is designed to withstand hurricane-force winds, hail strikes, and wind-driven rain.

This extra layer of protection can make a significant difference in how your home fares during a storm, potentially preventing thousands of dollars in damage and keeping your family safe.

2) Potential for Insurance Premium Discounts

Many insurance companies recognize the added protection a FORTIFIED roof provides and offer premium discounts for homes with FORTIFIED designations. These discounts can be significant, often ranging from 20% to 30% off your annual homeowners insurance premium. Over time, these savings can help offset the initial cost of upgrading to a FORTIFIED roof.

3) Home Value and Marketability

A FORTIFIED roof can be a valuable selling point when it comes time to put your home on the market. In areas where severe weather is a concern, homes with FORTIFIED roofs may stand out to potential buyers as a safer, more secure investment. This can lead to a faster sale and potentially a higher sale price.

Even if you’re not planning to sell anytime soon, a FORTIFIED roof can be a smart way to invest in your home’s long-term value.

4) Longer Roof Life

Because a FORTIFIED roof is made with stronger materials and better construction methods, it often lasts longer than a regular roof. This means you might not need to replace your roof as often, which can save you money in the long run.

Plus, some shingle manufacturers offer longer warranties for their products when they’re installed on a FORTIFIED roof.

Cost Considerations

The exact cost difference between a standard roof replacement and a FORTIFIED roof will depend on factors like roof size, the materials used, and the level of FORTIFIED designation you choose.

However, the initial investment sets you up for long-term savings thanks to your upgraded roof. When you factor in the potential losses from severe weather damage you can prevent, the investment becomes even more worthwhile.

If you’re concerned about the investment, here are a few strategies you can consider:

Check for Local Incentives

Firstly, some states or utility companies offer incentives or grants for homeowners who upgrade to FORTIFIED roofs. These programs can help offset some of the initial costs. Check with your local government or utility providers to see if any such programs are available in your area.

Finance the Upgrade

Many roofing contractors offer financing options that can help spread the cost of a FORTIFIED roof upgrade over time. This can make the initial investment more manageable by breaking it into smaller monthly payments. Be sure to carefully review the terms of any financing offer and choose an option that fits your budget.

Plan Ahead

If your roof is nearing the end of its lifespan, start planning for a FORTIFIED upgrade before it becomes an emergency. This can give you time to save up for the investment and avoid the added stress of unexpected roof damage.

Severe weather around a home that might benefit from a fortified roof.

When to Call a Professional

While a FORTIFIED roof is designed to be more push-button, it’s still important to look out for damage. If you notice any of the following issues, it’s time to call an expert:

  • Visible damage to shingles, such as cracks, tears, or missing pieces
  • Sagging or drooping areas on the roof
  • Leaks or water stains on your ceiling or walls
  • Excessive granule loss from shingles
  • Rust or corrosion on metal roof components

If you suspect your roof has damage, even if it isn’t immediately visible, have a professional inspection.

A certified FORTIFIED evaluator, like those at Knockout Inspections, can assess the damage and recommend any necessary repairs to ensure your roof maintains its FORTIFIED designation and continues to protect your home.

Recommended Maintenance

To keep any roof in top condition and extend its lifespan, some maintenance is necessary. These essential roof care tasks should be regular:

  • Clean your gutters and downspouts regularly to prevent water from backing up and damaging your roof.
  • Trim overhanging tree branches to reduce the risk of damage from falling limbs.
  • Inspect your roof annually for signs of damage or wear, and have any necessary repairs made promptly.
  • If your roof has a metal drip edge or flashing, check for rust or corrosion and have any damaged components replaced.
  • After a severe weather event, have your roof inspected by a professional to ensure it’s still in good condition and maintaining its FORTIFIED designation.


In summary, your roof’s integrity is worth investing in. With enhanced durability, potential insurance discounts, increased home value, and longer lifespan, a FORTIFIED roof offers a range of benefits. If it’s been a while since your roof was inspected by an expert or you want to schedule a complete home inspection, schedule online with Knockout Inspections in AL, LA, and FL.

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