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FORTIFIED Roof Payback Calculator

Plug in a homeowner's numbers and show them what the roof actually costs (or saves) after LFHP grant + Act 533 insurance savings.

Homeowner's Numbers

Live math. Every field is editable.

Locked to FORTIFIED Roof — the tier the LFHP grant covers and what LFR delivers.

Payback Picture

Live projection based on inputs.

3.5 years to pay off.

After that, insurance savings become pure cash flow — every year for the life of the roof.

Discount Applied
29%
Year-1 Premium Savings
$2,465
Out-of-Pocket (after grant)
$14,000
Est. Annual Financing (P&I)
$2,083
10-year picture:
Without FORTIFIED, premium likely climbs to about $16,992 by year 10.
With FORTIFIED, that same premium sits at about $12,064.
Total 10-year premium savings: $35,709 — vs. $14,000 out-of-pocket.
Roof pays for itself 3.5 yrs

Estimate only. Discount is based on LDI Act 533 benchmarks (or homeowner's confirmed carrier discount if entered). Actual carrier-filed discount may differ. Financing costs depend on lender + credit. Final roof cost set in the real bid. Not a guarantee — always advise homeowner to verify with their insurance agent.

Side-by-Side: With FORTIFIED vs. Without FORTIFIED

Same premium. Same 10-year horizon. Two very different financial pictures.

Without FORTIFIED

Do Nothing
10-yr insurance cost
$118,570
Premium climbs 8%/yr, uncapped.
10-yr savings vs. Do Nothing
—
Baseline scenario.
Out-of-pocket after grant
$0
No roof project.
Payback in years
Never
Nothing to pay back — but nothing to gain either.

With FORTIFIED

Roof Replacement + Grant
10-yr insurance cost
$84,175
Locked-in Act 533 discount applied every year.
10-yr savings vs. Do Nothing
+$34,395
Cumulative premium reduction over 10 years.
Out-of-pocket after grant
−$14,000
Financed at $2,083/yr over 10 yrs.
Payback in years
3.5 yrs
Insurance savings alone cover the out-of-pocket balance.
💰 The Truth Line — Net 10-Year Position
FORTIFIED keeps $20,395 more in your pocket over 10 years.
Even after paying for the new roof, you come out ahead by year 10 — and every year after that is pure cash flow.

Side-by-side uses the same inputs above. Numbers reflect estimated Act 533 discount + projected premium inflation. Verify actual discount with homeowner's insurance carrier before signing anything.

📧 Follow-Up Email — Ready to Copy

Personalized based on the numbers above. Edit as needed before sending.

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