Louisiana's wind-mitigation money is written to exclude condominiums
Louisiana's wind-mitigation money is written to exclude condominiums
2026-09-10 · Louisiana · Legislation
What happened. Louisiana has built a substantial stack of incentives for hurricane-resistant roofs. Almost none of it reaches a condominium building, and the exclusions are express rather than accidental.
The grant: excluded by name
The Louisiana Fortify Homes Program pays up to $10,000 toward a roof retrofitted to the Insurance Institute for Business and Home Safety FORTIFIED standard. The statutory gate is a homestead exemption — R.S. 22:1483.1(A)(1) authorises grants “to retrofit roofs of insurable property, as defined in R.S. 22:1483, with a homestead exemption.”
The Department of Insurance's own program rules put it beyond argument. Under “REGARDING HOME ELIGIBILITY”:
“The home must be a residence with a homestead exemption that is not a condominium or mobile home.”
Grant amounts are capped at $10,000, work must be completed within 90 days of the eligibility notice, awards are made by lottery rather than first-come, at least three bids from approved contractors are required, and the money is paid directly to the contractor.1
The tax credit: excluded by name again
Act 404 of the 2025 Regular Session created the Louisiana Fortified Roof Tax Credit Program at R.S. 47:6044. Its definition of what qualifies is where the exclusion sits:
“(3) 'Qualifying property' means insurable property, as defined in R.S. 22:1483, owned by a resident taxpayer and on which the resident taxpayer has a homestead exemption. Qualifying property shall not include new construction homes, condominiums, and mobile homes.”
The credit is nonrefundable, equal to certified qualified expenses “not to exceed ten thousand dollars per resident taxpayer,” available for expenses incurred on or after July 1, 2025, with a statewide ceiling of “ten million dollars per fiscal year.”2
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Related Louisiana HOA Topics
- Louisiana Department of Insurance, LFHP Homeowner Rules and Requirements (version 5/29/2026) ↩
- Act No. 404, 2025 Regular Session (SB 28) — Louisiana Fortified Roof Tax Credit Program, enrolled text ↩
- Louisiana Register Vol. 51, No. 10 (October 20, 2025) — Regulation 136 Notice of Intent, at p. 1726 ↩
- Louisiana Register Vol. 52, No. 4 (April 20, 2026) — Regulation 136 substantive changes, at p. 635 ↩
- La. R.S. 22:1483 — FORTIFIED discount mandate, including the “insurable property” definition ↩
- Act No. 416, 2026 Regular Session (HB 1187) — excess emergency assessment monies, enrolled text ↩
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