The Claim Process

  • Does My Home Qualify?

    NCIUA's team will review eligibility requirements
    • The policy must include appropriate IBHS FORTIFIED Home™ Endorsement based on policy type and territory.
    • NCIUA's claim department will review eligibility requirements after the home has been inspected.
    • 'Covered Loss' to the roof covering must be greater than 50% of the replacement cost value of the entire roof covering, subject to policy terms and conditions.

  • Evaluator Assignment

    Once eligibility is confirmed, NCIUA will assign a third-party evaluator.
    • NCIUA will assign a FORTIFIED Evaluator
    • Insured may elect to use an evaluator of their own choice
    The evaluator will contact the Insured and/or contractor to coordinate FORTIFIED Roof Installation.

  • Construction

    Starting November 1, 2025, IBHS requires that all components of a FORTIFIED Roof be installed by a qualified FORTIFIED Wise™ Roofing Contractor or Company listed in the official FORTIFIED Directory. For more details on the IBHS upgrade, approved evaluators, and certified contractors, visit https://fortifiedhome.org/.

    The policyholder, evaluator, and contractor are in communication throughout the duration of the construction.
    • No work should begin until the evaluator has been assigned and they have been in contact with the policyholder and contractor.
    • Pre-approval is required when the following conditions apply:
      • Mobile home and manufactured homes foundation and building requirements
      • Vaulted / Cathedral ceilings (rafter spacing, existing roof decking, exposed beams)
      • Low pitched roofs
      • Condos, townhomes, and multi-unit residential buildings
    • If there are no concerns and a scheduled installation date has been confirmed with the evaluator, construction may commence.
    Construction is complete
    • The policyholder will need to submit the contractor's final invoice to NCIUA at ibhs@ncjua.com.
      • The email should contain the claim number in the subject line
      • This document is required for payment consideration

  • Approval

    • After the construction is complete, the IBHS evaluator will confirm the roof has been completed in accordance with IBHS FORTIFIED Roof™ standards and submit all required documentation to IBHS.
    • IBHS reviews the required documentation and provides the IBHS FORTIFIED Roof™ designation certificate to the evaluator.
    • The evaluator will provide a copy of the certificate to the insured.
    • Once the IBHS FORTIFIED Roof™ designation certificate has been awarded, a copy of the contractor's final invoice is required for payment consideration of the FORTIFIED Roof™ upgrade cost.
    • The claim department will handle any outstanding claim issues.
      • Please contact your adjuster with any questions.

  • Payment

    The following information is required prior to consideration for payment:
    • IBHS FORTIFIED Roof™ designation certificate
    • Contractor Final Invoice
    • Evaluator Invoice
    Additional claim payments unrelated to the IBHS FORTIFIED Roof™ will be addressed by the NCIUA Claim Department.