Oklahoma City and Tulsa metros
Oklahoma homeowners planning a roof replacement have two money mechanisms working for them. The Strengthen Oklahoma Homes grant can pay up to $10,000 toward a FORTIFIED retrofit, and the 36 O.S. Section 962 insurance discount cuts the wind and hail part of your premium every year the roof stays certified. Sooner Fortified Roofing is a free matching service that connects you with an independent local roofing professional in your metro who builds to that standard.
Grant: oid.ok.gov/okready, up to $10,000, first come first served. Discount: 36 O.S. Section 962. Status as of July 2026.
Worksheet
Ranges are planning estimates. Your itemized written estimate is the real number.
Grant: oid.ok.gov/okready, up to $10,000, first come first served. Discount: 36 O.S. Section 962, up to 42 percent off the wind and hail portion of the premium, varies by carrier. Premium and cost ranges per IBHS. Status as of July 2026.
Why this roof, why now
The Strengthen Oklahoma Homes grant pays up to $10,000 toward a FORTIFIED roof, sent directly to the contractor once the IBHS certificate is issued. It is state, not federal, and it is not a tax credit. A funding round opened July 13, 2026, awarded first come, first served as funding allows. Timing matters, and an award is never assured.
Source: oid.ok.gov, House Bill 3089. As of July 2026.
36 O.S. Section 962 requires admitted insurers to discount the wind and hail portion of the premium for a home retrofitted to the FORTIFIED standard and certified by an evaluator. The discount reaches up to 42 percent, varies by carrier, and repeats each year the certificate stays current.
Source: 36 O.S. Section 962, oid.ok.gov.
Oklahoma has no residential roofing license. Roofers register with the Construction Industries Board and, as of July 1, 2026, hold a Residential Roofing Endorsement earned by exam. Grant work also requires a spot on the OKReady approved roster. You can confirm all of it, free, before any contract is signed.
The three upgrades
Source: IBHS, fortifiedhome.org/roof.
What FORTIFIED means
A FORTIFIED roof is an ordinary re-roof done to a written standard from the Insurance Institute for Business and Home Safety, then checked by an independent evaluator and recorded in a certificate your insurer accepts. The High Wind and Hail standard is built for design winds around 130 mph and hail up to 2 inches. It is engineered for wind and hail, not certified against tornadoes, so no roof should be sold as tornado-proof.
That paper trail is what unlocks the grant and the discount. It is the reason a FORTIFIED upgrade in Oklahoma is often the cheapest part of the roof to justify on paper.
How it works
1
Two minutes on the form: your metro, whether you own and live in the home, what you are planning, and whether the grant or the discount is your priority. No account, no fee.
2
We pass your details to an independent local roofing professional working in your metro. You deal with the contractor directly and confirm the CIB registration and OKReady roster spot yourself.
3
Get the written, itemized estimate, ask the FORTIFIED and grant questions from our guides, and move forward only if the numbers and the paperwork make sense to you.
We cover the Oklahoma City metro (Oklahoma City, Edmond, Norman, Moore) and the Tulsa metro (Tulsa, Broken Arrow, Owasso, Bixby), the two markets where the grant, the discount, and the hail exposure that drives all of it are concentrated.
Start here
The flagship service: what the retrofit involves, the evaluator and certificate path, and how a free match works.
The net-cost math in one place: the section 962 discount, the grant offset, and the real metro replacement cost.
The statewide hub: the standard, the grant mechanic, the discount, the credential reality, and the owner checklist.
Free, No Obligation
When you submit this form, your information is shared with an independent local roofing professional for the purpose of scheduling your free roof consultation and quote.
Questions and Answers
An independent local roofing professional installs the roof. Sooner Fortified Roofing is a free matching service: we take your project details and connect you with a roofer working in the Oklahoma City or Tulsa metro. You hire the contractor directly. Oklahoma has no residential roofing license, so you confirm the roofer is registered with the Construction Industries Board and on the state OKReady approved roster yourself before you sign.
A standard metro asphalt replacement runs roughly $10,000 to $16,000, and the FORTIFIED upgrade adds about $1,000 to $3,000, plus an independent evaluator fee usually under $500. Against that, the Strengthen Oklahoma Homes grant can offset up to $10,000 if you are awarded one, and the section 962 discount trims your wind and hail premium every year the certificate stays current. Your itemized written estimate is the real number.
The program has been statewide since January 2026. A funding round opened July 13, 2026, awarded first come, first served as funding allows. Because rounds open and close and funding is limited, check the current status at oid.ok.gov/okready before you plan around it. Status described as of July 2026.
Oklahoma law, 36 O.S. section 962, requires admitted insurers to give a premium discount for a home retrofitted to the IBHS FORTIFIED standard and certified by an evaluator. The discount reaches up to 42 percent off the wind and hail portion of the premium, varies by carrier, and is not offered by every company. It applies at your renewal after the certificate is submitted, and it repeats each year the certificate stays current.
Tell us about your home and we connect you with an independent local roofing professional in the Oklahoma City or Tulsa metro who quotes FORTIFIED work. Free for homeowners, no obligation.
