Everything you need before you build.
Understand the FORTIFIED program, what happens at each inspection, and what your certificate means for your insurance premiums across all nine service states.
What FORTIFIED means for your home.
FORTIFIED isn't just a roof job. It's a verified construction standard that proves your home was built or re-roofed to withstand hurricane-force winds. The difference between a code-minimum roof and a FORTIFIED roof is documented, third-party-verified resilience.
Your designation is valid for 5 years. Most Gulf Coast insurers offer premium discounts for FORTIFIED Roof designation alone. Submit your certificate to your carrier immediately to activate those savings.
Terminology note: If your insurer refers to "Bronze," they mean FORTIFIED Roof. IBHS phased out Bronze/Silver/Gold labels — each is a standalone designation, not a mandatory upgrade sequence.
FORTIFIED Roof
Sealed deck, enhanced attachment, verified installation. Most common re-roof path. LDI grant eligible in Louisiana.
FORTIFIED Silver
Adds roof-to-wall load path and impact-rated openings. Builds on the Roof level.
FORTIFIED Gold
Full structural continuity roof to foundation. Highest resilience. New construction only.
Funding may be available for your home.
Depending on your state and income, you may qualify for grant funding to cover all or part of your FORTIFIED roof. HDMK guides you through every available program.
Answers before you call.
What does the designation cover?
FORTIFIED Roof covers your entire roof system — deck attachment, sealed deck, edge protection, drip edge, underlayment, and starter. Additional systems covered at Silver and Gold.
How long does it take?
A standard re-roof evaluation takes 4–6 weeks from contractor selection to certificate delivery, assuming documentation is complete at each phase.
How much can I save on insurance?
Savings vary by carrier and state. Many Gulf Coast homeowners see significant premium reductions for FORTIFIED Roof designation alone. Contact your carrier for specific amounts.
What happens when it expires?
Designations are valid for 5 years. HDMK proactively contacts homeowners with expiring designations through our Crystal Award expired designation dashboard access.
Can a duplex or triplex qualify?
Yes — effective March 1, 2026, owner-occupied duplexes, triplexes, and quadplexes (up to 4 units, 3 stories max) are now eligible. Owner must occupy one unit.
What states do you serve?
Texas, Louisiana, Mississippi, Oklahoma, Arkansas, Tennessee, Alabama, Georgia, and Florida — with district-based field teams organized by region and zip code.
Questions? Start here.
Submit a project registration and HDMK will reach out within one business day.
Register Your Project