Frequently Asked Questions
What makes a FORTIFIED Roof different from a conventional replacement?
A FORTIFIED Roof follows the IBHS FORTIFIED Home standard, which goes beyond typical code minimums where roofs usually fail: ring-shank nails for the deck, a sealed roof deck to limit water entry if shingles blow off, stronger roof edges with specified drip edge and starter, and rated attic vents. As a FORTIFIED contractor, Riley installs to the standard and documents the work with photos for the independent evaluator.
Is FORTIFIED a shingle brand or a construction standard?
It’s a construction standard, not a product. FORTIFIED was developed by the Insurance Institute for Business & Home Safety (IBHS). Many shingle brands can be used if the installation meets the standard, and the hail-focused designation requires impact-rated shingles. The designation applies to how the whole roof is built.
Can my existing home qualify?
Many can, when the roof is being replaced. The home needs to be in good repair, and an evaluator confirms eligibility. Some features, such as the roof deck or attachment, may need additional work to meet the standard. We’ll review your home and explain what would be involved before you commit.
Who evaluates the work and issues the designation?
Riley builds the roof as a FORTIFIED contractor. An independent Certified FORTIFIED Evaluator inspects and documents it, and IBHS reviews the documentation and issues the designation. These roles are separate on purpose, so we can’t issue or guarantee a designation ourselves. The evaluation has its own fee, and the designation is issued only after the work meets the standard.
Can a GAF roof also meet FORTIFIED requirements?
Yes. GAF products can be used to meet certain FORTIFIED requirements when installed to the standard. For the hail designation, the shingle must be impact-rated, such as Timberline UHDZ. GAF’s manufacturer warranty and the FORTIFIED designation are separate. See residential roofing for more on GAF shingles.
Will a FORTIFIED designation affect my insurance premium?
It may. Some insurers offer discounts or other benefits for FORTIFIED roofs, and some states have specific rules, but the benefit varies by insurer and policy. Ask your insurance agent what applies to your policy before deciding, and keep the designation certificate for your records. For storm damage questions, see Insurance Restoration.
Are Kentucky grants currently accepting applications?
As of October 23, 2026, no. The Strengthen Kentucky Homes program closed Round 1 to new applications on October 1, 2026, and is still processing applications already in its system. Applicants must be approved before hiring a contractor or starting work, or they lose eligibility. Check the program site for future rounds.
Does the designation need to be renewed?
Yes. A FORTIFIED designation lasts five years. To renew, an evaluator inspects the roof to confirm it’s still in good condition and hasn’t been modified in a way that affects the designation. If the roof is repaired or replaced, the work also needs to meet the standard to keep the designation.

