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Renovating Your Home to FORTIFIED Standards

Contractor updating windows in house to FORTIFIED standards Contractor updating windows in house to FORTIFIED standards

If you're working on your home or putting on a new roof, consider renovating to FORTIFIED standards. Developed by the Insurance Institute for Business & Home Safety (IBHS), FORTIFIED Home™ construction practices are designed to help homeowners and communities better weather future storms, including hurricanes, high winds, hail and severe thunderstorms.  Building codes set a minimum standard for construction techniques and materials. Building FORTIFIED means exceeding those requirements.

The goal of building FORTIFIED is to take action today to make homes and communities more resilient to natural disasters tomorrow. Using data from more than 20 years of storm damage, IBHS created a set of standards for new and existing construction that can be affordable and can be incorporated into your home’s building design.

Travelers Insurance allows you to customize your coverage to fit your unique needs. We focus on understanding you, so you'll feel right at home working with us.

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Three Levels of FORTIFIED Home Designations

  1. Bronze: As part of the bronze level, a wind-driven rain management system in the roof protects against water damage. It features ring shank nails to protect against wind uplift resistance, which provide double the strength of nails used on traditional homes. Another important technique is sealing the seams of your roof deck to prevent water intrusion from wind-driven rain.
  2. Silver: The silver designation adds features such as impact resistant windows and pressure-rated doors to protect the home from flying debris in strong winds. 
  3. Gold: The gold designation focuses on creating a continuous load path by tying the roof to the walls, the walls to the floors, and the floors to the foundation to help make the home able to withstand hurricane force winds.

Adding Value and Safety

After a certified, third-party evaluator verifies that the home meets FORTIFIED standards, you receive a certificate and a unique ID number valid for five years. The FORTIFIED designation  helps show you have made consistent and defined structural updates to your home. 
To learn more, visit the IBHS website.

Learn more about Travelers homeowners insurance products, or if you’re ready to take the next step, click here to get a quote or find an agent.

Learn More About Home Insurance

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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages and/or vehicles.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In TX: Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority # 6519; Travelers Property Casualty Insurance Company, Certificate of Authority # 6521. Homeowners Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. Boat and Yacht Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. All underwriting companies listed above are domiciled in the state of Connecticut and are located at One Tower Square, Hartford, CT 06183. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Homeowners Insurance is underwritten by Travelers Personal Insurance Company. Personal Article Floater Insurance is underwritten by The Phoenix Insurance Company and The Travelers Indemnity Company of America. Personal Liability Umbrella Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, The Travelers Indemnity Company of America, The Travelers Home and Marine Insurance Company, Travelers Commercial Insurance Company and Travelers Personal Insurance Company. Special Event Insurance is underwritten by The Standard Fire Insurance Company. Boat Insurance is underwritten by The Travelers Home and Marine Insurance Company. Yacht Insurance is underwritten by The Standard Fire Insurance Company, The Automobile Insurance Company of Hartford, Connecticut, and The Travelers Indemnity Company of America. Underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183.

Pet Insurance, Motorcycle Insurance, and Travel Insurance is not underwritten by Travelers or its Affiliates (“Travelers”). Travelers utilizes its affiliate, InsuraMatch, LLC, an independent insurance agency, to refer consumers interested in pet coverage, motorcycle and off-road vehicle coverage, and travel coverage. For more information about the underwriting entities click “Learn More” to be directed to the specific product page.