路易斯安那州今年投入1亿美元加固抗飓风屋顶 助居民减保费
路易斯安那州州长兰德里（Jeff Landry）与州保险厅长坦普尔（Tim Temple）9月21日共同宣布，该州2026年投入抗飓风「加固屋顶」项目的资金达到1亿美元。最新一笔是来自美国住房与城市发展部的2000万美元，将转入州社区发展办公室的 Restore ROOF 计划，用于加强民宅结构、降低长期灾害风险；其余资金包括州议会批准的5000万美元卡特里娜与丽塔飓风债券余额，以及保险厅预计每年约3000万美元的税费收入。州保险厅的 Fortify Homes 计划为符合条件的房主提供最高1万美元补助，用于把屋顶升级到行业防灾标准，目前已有5500多户获批、2400多户在等待。官方数据显示，加装加固屋顶的家庭保费平均下降约22%，平均每户每年省下约1250美元。自2027年1月起，保险公司还须对加固屋顶的飓风部分保费提供规定幅度的折扣，南部沿海地区最高可达49%。对于住在飓风带、苦于房贷与保费双高的华人屋主，这是值得关注的省钱通道。（来源：路易斯安那州保险厅、州长办公室）
Louisiana Puts $100 Million Behind Fortified Roofs in 2026 to Ease Hurricane Insurance Costs
Louisiana Governor Jeff Landry and Insurance Commissioner Tim Temple announced on September 21 that the state's 2026 investment in storm-resistant "Fortified" roof projects has reached $100 million. The newest piece, $20 million from the U.S. Department of Housing and Urban Development, will go to the state Office of Community Development's Restore ROOF program to strengthen homes and reduce long-term disaster risk. The balance includes $50 million in remaining Hurricane Katrina and Rita bond funds approved by the Legislature and roughly $30 million a year in projected taxes and fees collected by the Department of Insurance. The department's Fortify Homes Program offers grants of up to $10,000 to help eligible homeowners upgrade roofs to the industry FORTIFIED standard; more than 5,500 grants have been approved and over 2,400 are pending. Officials say homeowners with fortified roofs are seeing premiums fall by an average of about 22 percent, saving roughly $1,250 a year. Starting in January 2027, insurers must also provide set benchmark discounts on the hurricane portion of premiums for fortified homes, reaching as high as 49 percent in south Louisiana. (Sources: Louisiana Department of Insurance; Office of the Governor)
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