The Insurance Institute for Business and Home Safety has set a 15-year limit on the FORTIFIED designation for asphalt shingle roofs, with the new rules taking effect in 2027. The cap applies to shingle roofs; metal roofs are not affected by it.
For metal roofers working in hail and hurricane markets where FORTIFIED matters to insurers and homeowners, the change is a talking point at the kitchen table: the designation on a shingle roof now carries an expiration date that a metal roof does not. Ask your insurance contacts how the change will be applied locally before you build it into a pitch. The change was reported in Professional Roofing’s October 1, 2026 briefings.
Source: Professional Roofing — our summary; read the full story at the source.