The Louisiana Department of Insurance is working on new rules to offer homeowners discounts on insurance premiums for houses built or upgraded to strong wind-resistant standards. This move follows a 2023 law requiring insurance companies to provide savings for homes that meet the FORTIFIED standard. This standard, created by the Insurance Institute for Business and Home Safety, often goes beyond what local and state building codes demand.
Under the upcoming rules, homeowners could see premium discounts between 20% and 30%. These savings aim to encourage more resilient construction and upgrades, helping protect homes against storms and severe weather common in Louisiana.
The department is seeking input from the public on these proposed rules. People can send their comments by mail, fax, or email until November 10 at 4:30 p.m. The feedback will help shape how the discounts are applied and make sure the process works well for homeowners and insurance providers alike.
This effort is part of a broader push to support safer homes and reduce costs for policyholders who invest in stronger building practices. As changes unfold, Louisiana homeowners interested in lowering their insurance bills through better construction now have a clear path to do so.