Frequently Asked Questions

The Grant Program

NCIUA's STRENGTHEN YOUR ROOF is a pilot mitigation program that will provide grants up to $6,000 for roof replacement with an IBHS FORTIFIED Roof™. This program is open to eligible Homeowner policyholders with properties on the Outer Banks and Barrier Islands (rating territories 110 and 120).

Grants will be reserved on a first-come, first-served basis as applications are completed and approved, beginning on April 15, 2019 and ending on August 1, 2019 or until all available grant funding is exhausted, whichever occurs first.

Hurricane Florence was the latest reminder that strong roofs are a front-line defender against high winds and severe rain. This pilot program provides funds to help Homeowner policyholders install FORTIFIED roofs that can better protect their homes from severe weather. The program was developed in conjunction with the Insurance Institute for Business & Home Safety (IBHS), an independent, nonprofit, scientific research and communications organization.

This is the first time NCIUA has awarded grants to assist policyholders in improving the resilience of their homes. NCIUA hopes to help eligible policyholders obtain stronger roofs, encourage FORTIFIED construction, and create more resilient communities. At the conclusion of the Grant Program, NCIUA will evaluate the success of the program to determine whether any future grant programs will be offered to policyholders.

The Grant

A limited number of grants (approximately 1,660) will be awarded on a first-come, first-served basis until August 1, 2019. Homeowner policyholders are encouraged to apply as soon as possible to reserve a grant.

The grant amount is $6,000.

If the entire cost of installing a FORTIFIED Roof™ is less than $6,000, the grant amount will cover the total cost of the roof. In this scenario, the grant amount will be less than $6,000.

Applications will be accepted starting on April 15, 2019 through August 1, 2019. NCIUA has extended the original application deadline from June 15 to August 1. Available grants will be reserved based on when policyholders complete an application and receive grant approval.

Applications will be accepted until August 1, 2019. However, there are a limited number of grants available to be awarded.

Grant funding may carry a tax liability. The policyholder accepts responsibility for all tax liability associated with the receipt of the grant. NCIUA will require a completed W-9, which is a request for the policyholder's taxpayer identification number. The policyholder should consult with a tax advisor regarding any tax implications.

Grant applications must be completed by August 1, 2019. Once an application is approved, policyholders have until July 1, 2020 to complete the installation of a FORTIFIED Roof™.

Eligibility

NCIUA Homeowner policyholders who live along the Outer Banks and Barrier Islands (rating territories 110 and 120). Homeowners must have a current, eligible policy that was effective on or before March 15, 2019.

Rating territories are established by the North Carolina Rate Bureau. In general, these territories include the area south and east of the Inland Waterway from the South Carolina line to Fort Macon (Beaufort Inlet), thence south and east of Core, Pamlico, Roanoke, and Currituck Sounds to the Virginia line, being those portions of land generally known as the "Outer Banks".

NCIUA Homeowner policyholders whose property is located in rating territories 110 and 120 with an eligible coverage form (HO 00 02, HO 00 03, HO 00 08, HW 00 02, HW 00 03 and HW 00 08) and whose policy is currently effective and was effective on or before March 15, 2019 are eligible for this program.

NCIUA determines initial eligibility for the Grant Program. IBHS will determine if the home is eligible for a FORTIFIED Roof™.

Some types of properties that are ineligible include condos, co-ops, townhomes, triplexes, quadplexes, multi-unit residential buildings, residential portions of mixed-use buildings, and commercial buildings. This list is not exhaustive.

Mobile homes and manufactured homes may be eligible. Some of the criteria for eligibility include: constructed after July 13, 1994, meet IBHS foundation and building requirements, and have a HUD Zone III designation.

FORTIFIED ROOF™

A FORTIFIED Roof™ meets certain quality standards designed to provide greater protection from natural disasters. These roofs involve the use of high wind-rated roof coverings and a sealed roof deck system that reduces the potential for water entering the home by 90%. Roof mounted vents are installed (if applicable) to prevent water intrusion and the roof decking is re-nailed with ring shank nails to double the roof's strength.

  • Strength: Superior performance in the face of severe weather
  • Savings: Insurance premium discounts
  • Value: Research suggests enhanced resale value
  • Affordable: Reasonable costs compared to the benefits of a FORTIFIED Roof™
  • Security: Comfort knowing that your home is built to higher standards

How to Apply

The policyholder can visit StrengthenYourRoof.com or call the dedicated NCIUA staff at 1-844-NCROOFs (844-627-6637).

Yes. Please call the dedicated NCIUA staff at 1-844-NCROOFs (844-627-6637).

Contractors and Roofers

For the policyholder's convenience, the Grant Program provides a list of Participating Contractors who are experienced and knowledgeable about IBHS and the IBHS FORTIFIED Roof™ program. The list of Participating Contractors, along with counties they serve, can be found on the website StrengthenYourRoof.com. A policyholder may select a contractor from this listing or a contractor of choice to work directly with the assigned IBHS Evaluator.

The policyholder may solicit bids from multiple contractors. The selected contractor will work with an IBHS Evaluator. The materials and installation will be inspected, photographed, and approved by the IBHS Evaluator. When the roof is completed and IBHS specifications are achieved and approved by IBHS, then IBHS will issue an official five-year certificate which may be renewed.

Yes. If a policyholder would like to select a contractor who is not on the list, please call 1-844-NC-ROOFS (1-844-627-6637). After the policyholder selects a contractor, the contractor will complete the IBHS FORTIFIED Bid Sheet which will help ensure all elements required to obtain the IBHS FORTIFIED Roof™ designation have been quoted.

If a contractor wants to participate in the Strengthen Your Roof Pilot Grant Program, the contractor can send an email to NCROOFS@ncjua.com or call 1-844-NC-ROOFS.

When a policyholder is ready to finalize the contractor decision, they can log into the StrengthenYourRoof.com website to make the selection.

Participating Contractors are insured and experienced in IBHS construction and understand NCIUA's Grant Program. NOTE: NCIUA does not guarantee any work performed by Participating Contractors or FORTIFIED Evaluators. In addition, NCIUA does not guarantee the quality or performance of any service performed or materials used on the roof. NCIUA does not warranty any workmanship by any Participating Contractor or FORTIFIED Evaluator.

Yes. Contractors may use their own bid sheets to provide an initial FORTIFIED roof replacement quote to the policyholder. After the policyholder selects a contractor, the contractor will complete the IBHS FORTIFIED Bid Sheet which will help ensure all elements required to obtain the IBHS FORTIFIED Roof™ designation have been quoted. NCIUA will contact the contractor to ensure he or she understands the grant process and the role of the IBHS Trained Evaluator. NCIUA will also send the contractor the IBHS Bid Sheet, an IBHS Re-roofing Checklist, and an IBHS Compliance Form. It is important to remind the contractor not to start work until an approved IBHS Evaluator has been assigned.

Work may begin when the IBHS Evaluator is assigned and has coordinated the installation process with the selected contractor. It is critical to have the Evaluator be part of the process from the beginning to help ensure all elements required to obtain the IBHS FORTIFIED Roof™ designation have been reviewed.

Evaluators

A FORTIFIED Evaluator, trained by IBHS, inspects the property and collects details before, during, and after the project to verify the roof construction meets FORTIFIED standards.

Once the policyholder has been accepted into the Grant Program, IBHS will assign a FORTIFIED Evaluator to the policyholder to provide guidance throughout the entire process of replacing the current roof with a FORTIFIED Roof™. The FORTIFIED Evaluator works with the policyholder and contractor to successfully receive the FORTIFIED Roof™ designation.

The Application and Re-Roofing Process

  1. Submit the grant application. Applications can be submitted anytime between April 15, 2019 through August 1, 2019. Grants are limited and are allocated on a first-come, first-served basis. If funding is exhausted prior to August 1, 2019, the application will be added to a waiting list.
  2. Once the application is approved, the grant is reserved for the policyholder. The IBHS FORTIFIED Roof™ must be installed by July 1, 2020.
  3. Once approved, the policyholder will obtain bid(s) from contractor(s).
    • The policyholder can decide how many bids to obtain.
    • NCIUA provides a list of contractors who are experienced and knowledgeable about IBHS and the IBHS FORTIFIED Roof™ Program.
    • The policyholder may also select a contractor of choice to work directly with the assigned Evaluator. If the policyholder would like to choose a contractor not on the list, please call 1-844-NCROOFS (1-844-627-6637).
  4. After the bid(s) have been reviewed, the policyholder will select the contractor to install the IBHS FORTIFIED Roof™ by July 1, 2020.
  5. Once the contractor is selected, the project will be assigned an IBHS Evaluator. This IBHS Evaluator will work with the policyholder and contractor throughout the process. The Evaluator will inspect the property and collect details before, during, and after the project to verify the roof materials and construction meet FORTIFIED standards so a FORTIFIED Roof™ Designation can be awarded.
  6. After the work is finished, the IBHS Evaluator will confirm the roof has been completed per required IBHS FORTIFIED Roof™ standards and submit all required documentation to IBHS.
  7. Once the policyholder receives the IBHS FORTIFIED Roof™ Designation certificate and submits all required documentation, the grant payment will be released.

First, the policyholder should verify that the correct policy number was entered.

Second, if a policyholder has already been to the website, they should "Log In" when returning instead of re-entering their policy number and zip code.

Finally, if the policyholder is still experiencing issues, please call the dedicated NCIUA staff at 1-844-NCROOFs (844-627-6637).

A bid is not required before or during the application process. The policyholder only needs to complete the application, confirm the policy number, and submit 4 photos of the property.

Once the application is approved and the grant is reserved, the policyholder will be notified to request bid(s), select a contractor, and install an IBHS FORTIFIED Roof™.

Some homes are not eligible for the Grant Program.

For example, and not by way of limitation, the home must have 7/16-inch minimum roof deck sheathing and 24 inches on center maximum rafter framing. This can be evaluated either by visiting the site or by reviewing relevant photographs of the property (submitted during the application process). Other reasons that a home may be ineligible include homes with significant damage to roof structural members, un-reinforced foundations, or pest damage. This list is not exhaustive.

Once a policyholder meets the eligibility criteria and the application is accepted, NCIUA will reserve up to $6,000 to be paid at the completion of the FORTIFIED Roof™ replacement and receipt of the FORTIFIED designation certificate.

The new IBHS FORTIFIED Roof™ must be installed by July 1, 2020. Once the policyholder has submitted all required documentation, the grant funds will be distributed.

If a contractor has not uploaded the bid onto the StrengthenYourRoof.com website, call the contractor.

If a desired bid has been received, the policyholder does not have to wait until all other requested bids are uploaded.

The policyholder can withdraw the grant application. The grant is only paid when the policyholder has replaced the roof and obtained the IBHS FORTIFIED Roof™ designation certificate.

After the FORTIFIED Roof™ is successfully installed:

  • The contractor will submit the final invoice.
  • The policyholder will submit a completed W9 form.
  • The evaluator will submit the IBHS FORTIFIED Roof™ designation certificate.

Open or Existing Claims

Full roof replacement: If the policyholder experiences a covered loss under an NCIUA policy that ultimately results in payment by NCIUA to replace the entire roof covering, this Grant Program will not apply. However, policy endorsement PF 01 06, which is automatically included on policies written in territories 110 and 120, may apply. If so and if elected by the policyholder, NCIUA may pay up to $5,000 for the policyholder to upgrade the roof to the IBHS FORTIFIED Roof™, subject to policy terms and conditions.

Partial roof replacement: If the policyholder experiences a covered loss under an NCIUA policy of less than 51% to the roof covering, NCIUA will pay to replace or repair the covered damage to the roof, subject to policy terms and conditions. In this scenario, policy endorsement PF 01 06 does not provide coverage for an IBHS upgrade. However, the policyholder may apply for a grant under this pilot program.

IBHS

The Insurance Institute for Business & Home Safety (IBHS) is an independent, nonprofit, scientific research and communications organization supported solely by property insurers and reinsurers. Building safety research conducted by IBHS leads to real-world solutions for home and business owners, helping to create more resilient communities.

The mission of IBHS is to conduct objective, scientific research to identify and promote the most effective ways to strengthen homes, businesses and communities against natural disasters and other causes of loss.

Please visit https://disastersafety.org to learn more about IBHS.

Disclaimer: Homes that achieve FORTIFIED Home™ requirements may still sustain damage during severe weather. However, meeting IBHS FORTIFIED Home™ requirements will harden the building systems that are most frequently damaged.