North Carolina Insurance Underwriting Association is proud to offer a FORTIFIED Roof endorsement to policyholders in select territories. After a covered loss, eligible policyholders may elect to upgrade their roof to a FORTIFIED Roof and receive up to $5,000, subject to policy terms and conditions. Beyond the security that a FORTIFIED Roof™ provides against future loss, an IBHS FORTIFIED Roof™ designation certificate may qualify the policyholder for credits that reduce the cost of insuring your property.

This site contains information regarding our claims process for Fortified roofs and does not include any information on our Grant program. For information regarding our Grant program, please visit our Strengthen Your Roof (SYR) website at

The FORTIFIED Roof™ designation certificate is offered by The Insurance Institute for Business & Home Safety (IBHS).


* Information on this page, including videos, were provided by Insurance Institute for Business & Home Safety.

Your roof is your home’s first line of defense. In fact, research shows the roof is the most important component of every building as well as the most vulnerable. Based on extensive field and lab research of structural damage caused by high winds, the FORTIFIED Roof construction standard was developed to strengthen homes against severe weather. The series of upgrades required by the standard have helped roofs perform better in both the hurricanes IBHS replicates in their state-of-the-art lab and in real-world events, including Hurricanes Dorian, Michael, Sally and Ida.

FORTIFIED Construction Featured

A FORTIFIED Roof™ that meets the standards of the Insurance Institute for Business & Home Safety (IBHS) can give you the peace of mind that comes from knowing your home is structurally resilient and can better withstand severe weather.

Comments after Hurricanes Florence, Dorian, and Isaias

from NCIUA Policyholders with FORTIFIED Roofs

"The FORTIFIED Roof is like preventative health care to mitigate future issues."

"The one thing I wasn’t worried about was the roof! This was an awesome program."

"Some shingles came off my roof, but my neighbor is missing his roof."