For agents
Built for FORTIFIED™.
Built for agents.
A wind product that rewards how a home is actually built. Launching in Alabama this fall.
Hurricanes · Tropical Storms · Hail · Tornadoes · Severe storms
Book time with Marc →
§IWhy Althea
More capacity. Better coverage. Lower cost. Simpler tech.
01
Capacity
Fresh wind capacity in coastal markets where your options are shrinking. A new door for your book.
02
Coverage
Named-peril wind, hail, tornado, and severe convective storms. Clear on what we cover, clear on what we don’t.
03
Cost
We price the building, not the zip code. A stronger roof means a lower premium — consistently, not just as a discount line.
04
Technology
Quote from building characteristics, not a forty-question application. Bind online. Standard risks clear without an underwriting back-and-forth.
§IIThe product
Wind-only. Stand-alone. Priced to the roof.
A stand-alone atmospheric-peril policy built to sit alongside a wind-excluded HO3 — not to replace it. Coverage triggers on hurricanes, tropical storms, hail, tornadoes, severe convective storms, and straight-line wind. Flood and storm surge are excluded.
§IIIFortified™
The single most effective resilience tool a coastal homeowner has.
FORTIFIED™ is a construction standard developed by the Insurance Institute for Business & Home Safety. Its methods are research-backed and field-tested. A FORTIFIED™ roof stays on. The home stays dry. A family comes back to a home instead of to a claim.
Adoption is growing fast across the Gulf and Southeast. State grant programs — like Strengthen Alabama Homes — help homeowners pay for the upgrade outright. And on the insurance side, a FORTIFIED™ roof can save a homeowner thousands of dollars a year on wind coverage. For your client, that’s the difference between buying insurance they resent and buying insurance that pays them back for the work they’ve already done.
Case studyHurricane Sally · Alabama · September 2020
40,195 policies in the impact area. FORTIFIED™ Roof vs. its nearest conventional neighbor.
73%
fewer claims than nearby conventional homes.
72%
lower loss ratio, same comparison.
$132M
in avoided losses if every home in the study had been FORTIFIED™ Roof.
Performance of IBHS FORTIFIED Roof™ Construction in Hurricane Sally. Alabama DOI and the Center for Risk and Insurance Research, University of Alabama. May 2025. Nearest-neighbor analysis, tree-fall claims excluded.
i.
Tested
Construction standards developed through full-scale wind and impact testing at the IBHS Research Center.
ii.
Growing
Certifications rising across Alabama, Mississippi, Louisiana, the Carolinas, and beyond.
iii.
Funded
State grants in several coastal states offset the cost of the upgrade for eligible homeowners.
§IVWhere we will write
Alabama this fall. More coastal states in 2027.
- ●ALAlabama
- ○LALouisiana
- ○NCNorth Carolina
- ◎FLFlorida
Writing in a state we’re not yet in? Book a call — we’ll let you know when we’re licensed in your market.
§VTalk to us
Meet with Marc Ivins, our Certified Insurance Counselor.
A 30-minute call to walk you through how we price, what we write, and how to place your first policy.
Book a meeting →Or email agents@altheainsurance.com.