A wind product that rewards what's actually built — with flexible deductibles, replacement-cost roofs, and credit that fully reflects the value of FORTIFIED™ on your client's specific home. Written on top-quality paper.
§What's Changed
However you place it today, wind is too often where you work hardest and have the least to offer your client.
Carriers retreat or push the wind out of the package, and what's left — the pool, a thin patchwork — is hard to stand behind.
You can still place it, but the coverage keeps thinning — and FORTIFIED™ is treated as an afterthought, so the genuinely stronger home receives the same flat credit as every other.
§Why Althea
A stronger roof is the most effective resilience tool a coastal homeowner has. A whole book of verified stronger roofs unlocks a better wind policy for everyone. Built for agents, not around agents — because you know your market and your customer better than anyone else, and that relationship matters.
§Why FORTIFIED™
FORTIFIED™ is the IBHS construction standard for wind resilience — third-party inspected, documented at the property, and tested across twenty years of storms. But a stronger home only pays off when everyone around it is aligned: the roofer who builds it, the evaluator who certifies it, the agent who places the wind. We're the connective tissue — we take the FORTIFIED™ paperwork off everyone's plate, route the roofer's lead to the agent, and reward the home for exactly what's on it.
Any carrier can cherry-pick good risks in a soft market, then leave when it hardens. We do the opposite — we help build the stronger homes, then price them. A book that's entirely FORTIFIED™ is genuinely lower-risk, which earns more patient capital behind it: the kind that lets us hold rates and stay on the coast when others price-and-flee. Lower premiums are the easy part — the point is a program still standing, and still competitive, after the storm.
And the demand is already here: 78,000 Alabama homeowners applied for 2,000 FORTIFIED™ grants. The next decade is FORTIFIED™'s — the insurers still treating it as a discount line will spend it catching up.
A stand-alone wind and hail 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.
§The Product
Not a homeowners form with a FORTIFIED™ endorsement stapled on, and not a discount line in someone else's program — the policy language, the underwriting, and the claims approach are all built around wind on a FORTIFIED™ home. What that means on a policy:
§What You Can Place
The appetite is wide and the guidelines are simple. To qualify:
If it's a coastal wind risk that's hard to place or hard to defend at renewal — an older home with a new roof, or a bundle a carrier just pushed to ex-wind — send it our way.
§How The Rates Hold
The lower rate falls out of how the book is built, not a discount we choose to give. Three mechanics make it hold:
The model is built from the ground up and calibrated to the catastrophe models. For each property, it prices how much a FORTIFIED™ roof actually reduces that home's vulnerability — from verified construction in the IBHS inspection — not a flat credit or a broad territory heuristic. Most carriers can't even see what's on the roof. We start there.
When the construction is documented and verified, the capital behind the policy doesn't have to pad for uncertainty. That padding is real money — and it comes out of the rate.
FORTIFIED™ doesn't make a home storm-proof, but it sharply lowers expected damage at the tail, i.e. in bad storm years. A smaller tail means less reinsurance capital behind every dollar of premium — and a lower price that holds.
We're finalizing risk capacity with a top global reinsurer — decades in the business, billions in program lines, and a long record in coastal wind.
From the first quote to the days after a storm — here's what working with Althea actually looks like.
§How It Feels To Quote
Drop in a competitor's declarations page and the building gets priced in real time, with the combined cost shown next to what the client pays now. No submission packet, no six-week FORTIFIED™ approval, no waiting on an underwriter to clear a clean risk.
§The Roofer Channel
We work with a small network of the best roofers in your market. When quoting the new roof, the roofer shows the homeowner what FORTIFIED™ saves on insurance, in real dollars. That conversation creates a wind lead — and it routes to you, to quote and own.
The customer is yours. We just send more of them your way.
§When The Storm Comes
You remember Sally: thousands of claims and calls in two weeks. We're building claims to cut losses at each stage, not just pay them afterward.
For the most exposed homes, targeted prep — securing openings, reinforcing a known weak point — and emergency patching through the roofer network before water gets in. The $2,500 no-deductible emergency-repair benefit is what lets that happen at scale.
Local contractors, not out-of-town adjusters sent in to argue with your clients. Rapid inspections to stop water intrusion before a small loss becomes a total one.
And the claim itself is less of a fight. The home's condition is documented up front and kept current with inspections, so a loss is settled on evidence, not an adjuster's hunch. When wind speeds at the property cross a set threshold, claims fast-track — funds move without relitigating whether the storm caused the damage. Fewer disputes, faster resolution.
Reimagining wind from the ground up, with a team and advisors who've spent decades in coastal catastrophe risk.
A senior engineering team builds the platform behind it — quoting, binding, and storm response.
§The Backing
When a storm hits, what matters is who handles the claim — and who's behind it. Here's both.
We're building Althea to still be writing this coast in ten years. The model only works if we are — a book of stronger homes pays off over time, not in a single quarter.
The agencies working with us now are the ones we're building the program around. Three ways to go deeper.