North Carolina Insurance Underwriting Association (NCIUA) is pleased to announce that the Strengthen Your Coastal Roof pilot program has been extended. A limited number of grants will be awarded on a first-come, first-served basis until available funds have been awarded.

If you have any questions, please call 1-877-GRANTNC (877-472-6862) or email NCroofs@ncjua.com

The Grant Process

  • Application

    • Policyholder - The policyholder will submit the grant application through the Strengthen Your Coastal Roof website within the application period. The person completing the application accepts all responsibility as the homeowner and/or homeowner’s representative.
      • The grant application requires at least four photographs: one of each side of the home.

  • Review

    • NCIUA - NCIUA reviews the application for pre-eligibility.
    • IBHS - IBHS reviews the application to verify that the property is eligible for a FORTIFIED Roof™.
    • NCIUA - Once IBHS has approved the application, if the number of approved applications exceeds the grant funds, all applications will be included in a lottery pool to be randomly selected to continue with the grant process. Once the lottery is completed, if there are available grants to be awarded, the grant program may be re-opened for eligible policyholders to apply on a first come, first-served basis until all grants have been awarded.

  • Construction

    • Policyholder - If selected to continue with the grant process, the policyholder will request bid(s) from contractor(s) through the Strengthen Your Coastal Roof dashboard.
      • 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.
      • If the policyholder would like to choose a contractor not on the list, they may call 1-877-GRANTNC (877-472-6862) to coordinate an alternative selection.
    • Contractor - The contractor receives notification that the policyholder has requested a bid. The contractor logs in to the Strengthen Your Coastal Roof dashboard to upload a bid sheet for the policyholder.
    • Policyholder - The policyholder logs in to the Strengthen Your Coastal Roof dashboard to review the contractor(s) bid(s) and select their desired contractor.
    • Evaluator - Once the contractor has been selected, a FORTIFIED Evaluator will be assigned to 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.
      • If the Policyholder wishes to choose their own FORTIFIED Evaluator, please email NCroofs@ncjua.com or call 1-877-GRANTNC (877-472-6862).
      • The homeowner and contractor are responsible for making sure the FORTIFIED Evaluator is contacted in a timely manner regarding the roof construction date.
      • No work should begin until the evaluator has been assigned and in contact with the policyholder and contractor.
    • Policyholder, Evaluator, & Contractor - The policyholder, evaluator, and contractor are in communication throughout the duration of the construction.
      • After receiving NCIUA and IBHS approval, the IBHS FORTIFIED Roof™ must be installed before July 31, 2024.

  • Final Approval

    • Evaluator - After the construction is complete, the FORTIFIED Evaluator will confirm the roof has been completed per required IBHS FORTIFIED Roof™ standards and submit all required documentation to IBHS.
    • IBHS - IBHS reviews the required documentation and provides the IBHS FORTIFIED Roof™ designation certificate to the evaluator.
    • Evaluator & NCIUA - The evaluator works with NCIUA to have the IBHS FORTIFIED Roof™ designation certificate uploaded to the policyholder's dashboard.
    • Contractor - Once the IBHS FORTIFIED Roof™ designation certificate has been awarded, the contractor will receive notification to upload their final invoice to the Strengthen Your Coastal Roof dashboard. The Contractor Final Invoice is needed before the policyholder may be paid.
    • Policyholder - When the IBHS FORTIFIED Roof™ designation certificate and final invoice from the contractor have been received, the policyholder may log in to their Strengthen Your Coastal Roof dashboard to complete a W-9 to receive grant payment.

  • Payment

    • NCIUA - NCIUA will distribute grant funds to the policyholder only after the following have been submitted to the Association: (1) the IBHS FORTIFIED Roof™ designation certificate, (2) a final invoice from the contractor, and (3) a completed W-9 which provides the policyholder's taxpayer identification number (or other necessary tax information).

For more information on the Grant Process, please click here.

Feedback from our original Strengthen Your Roof Program in the Outer Banks and Barrier Islands

The Strengthen Your Roof process has truly been a very smooth and rewarding one for us. We are so pleased with our new FORTIFIED Roof, the workmanship of the installers, our evaluators, and of course, [NCIUA's] direction and assistance during this entire process. Thank you so much for this opportunity to participate in the Strengthen Your Roof Program.
I certainly appreciate this great incentive to provide greater protection for my home and would like to express my sincere appreciation to everyone involved in this process. Whether by phone or email, each [Strengthen Your Roof team member] was always patient, knowledgeable, kind, efficient and professional.
I just wanted to take a minute and compliment the North Carolina Insurance Underwriting Association reroofing program. From start to finish, everything was handled in a professional and expeditious manner. The website was very user-friendly and easily navigated throughout the entire process. [NCIUA's] staff was knowledgeable and engaged.
Thank you for your helpful assistance and professionalism during this process. It has been a pleasure working with [the Strengthen Your Roof team]. Every time I had occasion to contact NCIUA, the person I talked to was unfailingly courteous and helpful. In my book, NCIUA is truly a first-rate organization with decidedly competent personnel.
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FORTIFIED Roof™ Modifications


Nailing the Roof Deck
Tape Installation
Installing Edge Metal
Metal Roof