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 first, not just the zip code. A stronger roof drives a lower premium — structured into the rate, not tacked on as a discount.
04
Technology
Quote-and-bind technology built to fit your workflow, not replace it. 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. Covers loss from hurricanes, tropical storms, hail, tornadoes, severe convective storms, and straight-line wind. Flood and storm surge are excluded.
§IIIFortified™
A stronger roof is the most effective resilience tool a coastal homeowner has.
FORTIFIED™ is an IBHS construction standard for how a home handles wind. A FORTIFIED™ Roof is built to stay on. The home is built to stay dry. More families come home instead of filing a claim.
Adoption is growing fast across the Gulf and Southeast, and state grants — like Strengthen Alabama Homes — help homeowners pay for the upgrade. A FORTIFIED™ Roof can translate to thousands in annual wind premium savings, depending on the property.
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 built to FORTIFIED™ Roof standard.
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. Past storm performance does not guarantee outcomes in future events.
§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 [email protected].