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Allstate, Farmers, Farm Bureau and more · Checked 5 Oct 2026FORTIFIED roof discounts with Allstate, Farmers, Oklahoma Farm Bureau, USAA and Liberty Mutual aren’t on the Oklahoma Insurance Department’s discount list, and none of them publishes an Oklahoma FORTIFIED percentage. That doesn’t mean there’s no discount. State law points every insurer toward one, so the answer comes from your agent. Here’s what each insurer does publish and exactly what to ask.
Oklahoma Statutes Title 36, section 961; OID discount sheet based on 2018 filings.
We checked each insurer’s own discount pages and OID’s list. A roof discount for Class 3 or 4 shingles isn’t the same as a FORTIFIED discount: it’s for the shingles alone, while FORTIFIED covers the deck, nailing and sealed seams too. Ask about both.
| Insurer | On OID’s FORTIFIED list? | What its own site publishes |
|---|---|---|
| Allstate | No | No FORTIFIED or roof discount published that we could find for Oklahoma |
| Farmers | No | A discount for UL-approved roofing materials, and a home safety discount for homes with roof, walls or foundation “fortified against natural disaster”. Varies by state |
| Oklahoma Farm Bureau | No | An Approved Roof Discount for UL Class 3 or 4 roof surfacing, with an approved list. No percentage published |
| USAA | No | Nothing we could verify for Oklahoma |
| Liberty Mutual | No | A new roof discount, where state rules allow |
| American Farmers & Ranchers | No | No FORTIFIED discount published |
| Shelter | Yes, 14% | No roof discount listed on its discounts page |
Insurer websites checked 5 Oct 2026; OID discount sheet based on 2018 rate filings, which it calls a sample that may not include every discount filed. State Farm has its own page.
Not being on OID’s list can mean an insurer filed later, was left off the sample, or decided a discount wasn’t actuarially justified. Only your agent can tell you which. Ask in writing so you have the answer on file.
If your insurer offers nothing, compare quotes with one that does before you renew. A FORTIFIED certificate is valid for 5 years, so the choice adds up.
| Wind and hail part of your premium | At 6% (low end) | At 14% | At 30% |
|---|---|---|---|
| $1,000 | $60 a year | $140 a year | $300 a year |
| $2,000 | $120 a year | $280 a year | $600 a year |
| $3,000 | $180 a year | $420 a year | $900 a year |
Rates taken from OID’s list (Nationwide 6%, Shelter 14%, State Farm 30%) to show the spread; your insurer’s figure may differ. See every filed discount and payback times.
Allstate isn’t on OID’s FORTIFIED discount list and doesn’t publish an Oklahoma figure. Ask your agent whether it has filed one.
Farm Bureau publishes an Approved Roof Discount for UL Class 3 or 4 roof surfacing. It isn’t on OID’s FORTIFIED list, so ask your agent whether a FORTIFIED certificate earns more.
The law says insurers shall give one when they find it actuarially justified, applied to the wind and hail premium. In practice the size, and whether there is one, comes from each insurer’s filing.
No. Class 4 discounts are for impact-rated shingles. FORTIFIED is a whole-roof standard with a certificate, and it’s what the state grant pays for.
Once you know your discount, the other number you need is the cost. We’ll pass your details to one FORTIFIED roofer serving your area. Also see what a FORTIFIED roof costs.