From "Text Joe the details" to closing the roof sale.
Same flow as v0.4, re-architected for the Louisiana voice-split. Althea is the publisher and the voice of every insurance claim; Coastal Roofing is the referrer and the roof-seller. The roofer's brand stays present and warm via a referral ribbon — but it never sits on top of an act of insurance interpretation.
Why this version exists · counsel
La. R.S. 37:2159.1 bars a roofer from interpreting / advertising / soliciting insurance-policy-interpretation services. The protective principle isn't the URL — it's who speaks. Here: the roofer may talk about the roof and refer; only Althea (licensed) speaks about the insurance. Personalization is fine because Althea performs it. The roof CTA goes to the roofer, the insurance CTA to the agent.
Publisher · Althea (masthead)Roofer · referral ribbon + roof CTA onlyInsurance voice · Althea throughoutCompare to · v0.4 (roofer-primary) for the trade-off
Frame 1Interstitial — Althea-published, Coastal-referredAlthea masthead + "Coastal referred you" ribbon. The estimate and the policy comparison are now Althea's, not Mike's.
🔒altheainsurance.com/savings/jw-4f8a2c
Referred by Coastal Roofing · Mike Hartwell
Althea
123 Live Oak Lane, Daphne, AL 36526
2,400 sf·Replacing 18-yr asphalt roof
You're getting a new FORTIFIED™ roof from Coastal Roofing. Althea can show you what that's worth on your insurance.
See how Althea compares to your policy.
Althea is home insurance built just for FORTIFIED™ homes. Stronger roofs cost less to protect, and we pass those savings on to you. Coastal Roofing referred you to us; everything about your insurance on this page comes from Althea.
Share your current home insurance and Althea will put your numbers side by side with ours, specific to your home.
No obligation. Althea uses your policy only to build this comparison, and you can delete it anytime. A licensed agent confirms everything before any changes are made.
Frame 2Savings page — Best state"Althea estimates" everywhere. Credits relabeled verified-risk (Althea grants, Coastal's work is the evidence). Roof talk stays roofer-voiced; insurance is all Althea.
Lower wind deductible — about $19,000 less out of pocket in a major storm.
14 mo
Payback on the $1,900 FORTIFIED™ upgrade — on insurance savings alone.
Choosing a FORTIFIED™ roof from Coastal Roofing Solutions doesn't just make your home safer and more valuable. It may also qualify you for savings from Althea — home insurance built just for FORTIFIED™ homes.
Althea covers only wind. Everything else stays in place — usually with the same insurer, agent, and bundle you have now. A licensed agent confirms the details before anything changes.
* Estimate published by Althea Insurance. Coastal Roofing Solutions referred you and is not an agent or representative of Althea. Savings are estimates; actual savings may vary. Coverage subject to underwriting approval.
Why Coastal Roofing recommends a FORTIFIED™ roof
A FORTIFIED™ roof pays you back three ways.
Proven protection
Sealed deck, ring-shank nails, full ice & water shield. Tested through 20 years of real hurricanes, a FORTIFIED™ roof sees up to 95% less water damage than a standard one.
Higher resale value
A FORTIFIED™ roof can lift a home's value by around 7% — buyers value the protection, and the lower insurance that comes with it.
Insurance savings
A FORTIFIED™ certificate lowers your premium with many insurers. Althea was built around FORTIFIED™, so it can reward your roof more than a standard discount.
Where your savings come from
A FORTIFIED™ roof saves you money. A better-built one saves you more.
Most insurers give one flat discount for a FORTIFIED™ roof and stop there. Althea looks at what your roof is actually made of — the shingle, the way it's installed — and lowers your premium for each upgrade Coastal built in. The stronger the roof, the more you save.
What's in your roof
Most insurers
With Althea
FORTIFIED™ RoofThe certified standard — what most insurers reward
−$900–1,200
−$1,275
Verified premium installationWorkmanship confirmed through Coastal Roofing's QA records
—
−$90
GAF Timberline UHDZ® shingleClass 4 impact rating
—
−$170
Full GAF WeatherWatch® ice & water shieldFull-coverage underlayment
—
−$105
Verified active maintenanceAnnual inspection records shared with Althea
—
−$60
Althea's estimated annual savings
−$900–1,200
−$1,700
Most insurers offer one discount for a FORTIFIED™ roof. The rest is what Althea adds for the stronger build — based on what Coastal Roofing actually installed.
Here's how the Althea policy actually works.
How Althea fits alongside your Coastal American coverage
Althea covers wind. Everything else stays in place.
Althea replaces just the wind portion of your insurance — hurricanes, tornadoes, tropical storms, and hail. Everything else — fire, theft, liability, your bundle — stays in place, usually with Coastal American.
Coastal American today
With Althea + new FORTIFIED™ roof
Total annual premium
$5,900/yr
$4,200/yr (est.)
Wind premium (the part Althea replaces)
$4,800/yr
$3,100/yr (est.)
Wind deductible
5%
as low as 2%
Fire, theft, liability & your bundle
Coastal American
Usually unchanged
Switching is one conversation, not a rebuild of your insurance.
Your other coverage stays. Fire, theft, liability, your bundle and discounts continue — usually right where they are with Coastal American. Only the wind portion moves.
Your Althea agent does the work. They coordinate the wind change with your current insurer — you don't make that call.
One smaller Coastal American bill, one Althea bill. Same billing rhythm, no separate check process.
No coverage gap. Your Althea policy and the change to your existing policy take effect on the same date.
Althea answers — questions homeowners often ask
What if I build the roof and then can't get the policy?
You'll know where you stand before you spend a dollar. Your agent runs a real Althea quote with you up front — and can often lock in your rate now, conditional on your new roof's certificate. Most FORTIFIED™ homes in your area qualify; final coverage is always subject to underwriting, but you won't be guessing.
Will I have two agents? Two checks to write?
In most cases your Coastal American relationship stays as-is for everything but wind. Your Althea agent handles the wind policy and coordinates the change — usually one conversation is all you need.
What does my current insurer offer for FORTIFIED™?
Many insurers credit the FORTIFIED™ certificate on the wind portion. Althea is built around FORTIFIED™ specifically — your agent can compare both and help you choose.
Ask Althea
Questions about your coverage, or how Althea fits in?
Althea can walk you through your current policy — or your agent can.
Why is my wind coverage so expensive?
Read answer →
Does Coastal American offer discounts for FORTIFIED™ roofs?
Read answer →
What kinds of wind damage does my current policy cover?
Read answer →
How can I keep my existing bundle?
Read answer →
What happens if I need to file a wind claim?
Read answer →
Talk to a licensed Althea agent
Connect →
A
Ask Althea about your Coastal American policy or how Althea would cover you — or connect with a licensed agent anytime.
Trusted by homeowners, roofers, and agents across coastal Alabama
A new insurer, built on a standard that isn't new.
Althea is a wind-only insurance company that rewards homeowners for building stronger. Most insurers raise your price after a storm. We'd rather your home come through it — so we reward the roof that makes that likely, and we price from your individual home, not your zip code. We're launching in Alabama, backed by some of the largest storm-insurance markets in the world.
Built on 20 years of FORTIFIED™ evidence.
FORTIFIED™ is an independent construction standard from the Insurance Institute for Business & Home Safety (IBHS) — a research lab funded by the insurance industry. They've tested it through Cat 3+ winds for two decades. Althea is built around that evidence.
Backed by reinsurers who take this seriously.
Althea partners with reinsurers who represent the strongest catastrophe insurance markets in the world — AM Best A− rated or better. Surplus-lines structure lets Althea specialize in wind the way admitted carriers don't.
Come home to a home, not a claim.
Your roofer
Your next step is the roof.
Coastal Roofing builds to a standard Althea credits — that verified workmanship is part of why your savings are higher. When you're ready, Mike can walk you through the build.
Althea will have your own agent call you to go over everything. If they're not appointed with Althea, we'll connect you with one of ours.
No obligation — nothing changes until you say so.
No obligation. Your agent — or an Althea-appointed agent in Daphne — will reach out within 1 business day.
Published by Althea Insurance. Coastal Roofing Solutions referred you and is not an agent or representative of Althea. Savings are estimates; actual savings may vary. Coverage subject to underwriting approval. A licensed agent confirms all terms before any changes are made.
Frame 3Agent loopbackUnchanged from v0.4 except masthead. The agent is the licensed party — this frame was already compliant.
🔒altheainsurance.com/savings/jw-4f8a2c/agent
Referred by Coastal Roofing · Mike Hartwell
Althea
123 Live Oak Lane, Daphne, AL 36526
2,400 sf·Replacing 18-yr asphalt roof
Thanks. Sarah's looping in.
Althea has notified Sarah Bell at Baldwin County Insurance Group in Fairhope — an Althea-appointed agent serving coastal Alabama. She has your address and your current Coastal American policy. She'll follow up within 1 business day.
SB
Your Althea agent
Sarah Bell
Baldwin County Insurance Group · 412 Section Street, Ste. 2B, Fairhope, AL
(251) 928-4470 · sarah@baldwincountyins.com
She'll walk you through your current Coastal American coverage — what stays, what changes, and what doesn't.
She'll confirm your eligible savings with a bindable Althea quote — exact wind premium, exact deductible.
If you decide to move forward, she'll coordinate the wind change with Coastal American for you. You don't make that call.
Whether you bind today or after your install — your savings start when the new roof is certified.
No obligation. No changes without your approval. This is simply a conversation — you stay in control.
Sarah Bell is licensed to sell insurance in Alabama (Lic. #AL-12834). Baldwin County Insurance Group is independently owned and operated. Althea Insurance Company is a surplus-lines carrier — not covered by state guaranty funds.
Frame 4Roofer loopback — the roof closeThis is the roofer's lane: scheduling the roof. No insurance interpretation. Compliant as-is; only the masthead changed.
🔒altheainsurance.com/savings/jw-4f8a2c/roofer
Referred by Coastal Roofing · Mike Hartwell
Althea
123 Live Oak Lane, Daphne, AL 36526
2,400 sf·Replacing 18-yr asphalt roof
Your roof · Coastal Roofing
Next step: the roof.
Call Mike at Coastal to schedule your FORTIFIED™ install. Your Althea agent will be in touch separately to walk you through the wind coverage. Either order works.
Your estimated savings depend on three things
A FORTIFIED™ roof, certified. Built to IBHS spec, evaluated by a third-party FORTIFIED™ evaluator, certificate issued.
Installed by Coastal Roofing Solutions. Althea credits the verified install quality their records document.
Wind coverage moved to Althea. Your agent handles this once your roof is certified.
Today's Althea rate holds for 30 days. If your install runs longer, your agent will re-confirm the rate before any changes are made.
Coastal Roofing Solutions is an independently owned roofing contractor and is not an agent or representative of Althea. Althea does not warrant or guarantee any roofing installation.
Frame 5Savings page — Better state (skip path)Estimate framing + upgrade affordance, both Althea-voiced. Body abbreviated.
🔒altheainsurance.com/savings/jw-4f8a2c?skip=1
Referred by Coastal Roofing · Mike Hartwell
Althea
123 Live Oak Lane, Daphne, AL 36526
2,400 sf·Replacing 18-yr asphalt roof
Estimate · not based on your specific policy
Althea's estimated annual savings
~$1,700/ year
Althea's estimate for homes in Daphne, AL with a typical coastal policy and a new FORTIFIED™ Roof.
5% → 2%
Lower wind deductible — about $19,000 less out of pocket in a major storm.
14 mo
FORTIFIED™ upgrade payback — on insurance savings alone.
↑
Show me Althea's exact estimate vs. my actual policy
Share your current home insurance — Althea will replace the estimate above with your specific numbers.
Choosing a FORTIFIED™ roof from Coastal Roofing Solutions doesn't just make your home safer and more valuable. It may also qualify you for savings from Althea — home insurance built just for FORTIFIED™ homes.
Althea covers only wind. Everything else stays in place — usually with the same insurer, agent, and bundle you have now. A licensed agent confirms the details before anything changes.
* Estimate published by Althea Insurance. Coastal Roofing Solutions referred you and is not an agent or representative of Althea. Savings are estimates; actual savings may vary.
[ Sections "Why Coastal Roofing recommends FORTIFIED™" through "Trust" identical to Frame 2 — abbreviated for storyboard density. ]
Your roofer
Your next step is the roof.
Coastal Roofing builds to a standard Althea credits — that verified workmanship is part of why your savings are higher. When you're ready, Mike can walk you through the build.
Althea will have your own agent call you to go over everything. If they're not appointed with Althea, we'll connect you with one of ours.
No obligation — nothing changes until you say so.
No obligation. Your agent — or an Althea-appointed agent in Daphne — will reach out within 1 business day.
Published by Althea Insurance. Estimates only — based on typical pricing for FORTIFIED™ homes in your area, not your specific policy. Coastal Roofing Solutions referred you and is not an agent of Althea. Coverage subject to underwriting.
Voice-split notes
What changed from v0.4 → v0.5, and why:
Publisher: Althea masthead replaces the Coastal-primary header. Coastal stays present as a referral ribbon (trust preserved, no insurance authorship).
Voice: every insurance claim re-attributed to Althea — "Althea estimates", "Althea prices your roof", "Althea answers". Roof talk ("why FORTIFIED") stays roofer-recommended, which a roofer may do.
Credits: relabeled verified-risk — "Verified premium installation", "Verified active maintenance". Althea grants; Coastal's records are the evidence. (Matches the anti-inducement guidance.)
CTAs unchanged: roof → roofer, insurance → licensed agent. This split was already the compliant structure.
Open for Shawn: how prominent can the referral ribbon / roofer brand be before it reads as the roofer "advertising" interpretation? Designed conservative here; he can loosen.
Strategic giveback: less "Joe's tool" framing than v0.4. Trade-off to weigh against the LA exposure.
Althea