The Data on Resilient Construction
A 2025 peer-reviewed study found that homes built to FORTIFIED Roof standards had 73% fewer insurance claims and 72% lower total losses during Hurricane Sally than conventionally built homes. Verified mitigation documentation gives carriers something real to price and agents something credible to communicate. Learn more.
Incentive Legislation and Discount Programs
In states with enacted legislation, resilient construction qualifies homeowners for required wind premium discounts of 20% to 55%. Many carriers offer discounts voluntarily in additional states. Use the map to see what is in place where you operate. View the incentives map.
Track Policy by State
Track the current status of resilience incentive legislation, grant programs, and building code adoption nationwide. View the policy dashboard.
Training and Continuing Education
SHA is an approved CE provider for insurance producers in multiple states. We offer in-person, virtual, and on-demand training on resilient construction standards and insurance incentives. Schedule a training.
Wildfire and the Insurance Crisis
Wildfires are driving the same insurance market retreat in the West that hurricanes created on the Gulf Coast. The IBHS Wildfire Prepared Home standard provides third-party verified mitigation documentation that carriers can recognize and price. California insurers are now required to offer discounts to qualifying homes. Learn more.