Start with the roof.
Stronger roof attachments, sealed decking and wind-rated roof coverings help resist wind and keep rain out.
Launching Early 2027 · AL, LA, NC
Come home to
your home.
Not a claim.
We specialize in Wind + Hail insurance for FORTIFIED™ homes.
§I Why Althea
Storms are getting stronger.
You’re paying more for insurance.
We’re here to change that.
We model how your home will hold up in a storm. The stronger it is, the less damage we expect and the less you should pay for insurance.
§II Atlas · Our risk model
How we price your home.
Atlas connects how your home is built to what you pay for insurance.
We estimate storm damage and repair costs for your home. Resilience is part of the price, not a discount added afterward.
1Roof geometry
2Roof-to-wall connections
3Window & door openings
4Wall framing
5Floor-to-foundation connections
6Foundation
7Shingles + Decking
- Roof geometry
- Roof-to-wall connections
- Window & door openings
- Wall framing
- Floor-to-foundation connections
- Foundation
- Shingles + Decking
The construction
How well is the house built?
We use construction records, imagery and inspections to model how the roof is attached, how openings are protected, and how the structure connects to the foundation.
Roof attachments · Window protection · Structural connections
An illustration of our approach, not a live simulation or a verified model of this home. Models estimate risk; they do not guarantee storm performance or savings.
§III The coverage
Wind + Hail insurance.
We specialize in Wind + Hail insurance for FORTIFIED™ homes. Our stand-alone policy covers wind and hail alongside your all-other-perils homeowners policy.
Coverage for
Hurricanes /
Tropical storms
Hail
Tornadoes
Straight-line wind
Excluded
Flood
Storm surge
Flood and storm surge are excluded. Your agent will help you choose limits and deductibles and understand how the two policies work together.
§IV For independent agents
Wind + Hail coverage
for your clients.
Have clients in Alabama, Louisiana or North Carolina with an existing or planned FORTIFIED™ Roof? Talk with Marc about Wind + Hail coverage and becoming appointed.
§V FORTIFIED™
A stronger roof should mean lower insurance costs.
Better shingles. Better nails. Better sealant.
Designed to keep the roof on and the water out. FORTIFIED™ is a proven construction standard developed by the Insurance Institute for Business & Home Safety (IBHS).
Protect more of the home.
Everything in Roof, plus protection for vulnerable areas such as garage doors, chimneys and attached porches.
Tie it all together.
Everything in Silver, plus structural connections that tie the roof to the walls and the walls to the foundation.
Proven in Hurricane Sally
In a study of coastal Alabama homes, FORTIFIED™ Roof homes performed better than nearby conventional homes.
- 73%
- lower claim frequency
- 72%
- lower loss ratios
Source: Performance of IBHS FORTIFIED™ Home Construction in Hurricane Sally (PDF). Alabama Department of Insurance and the Center for Risk and Insurance Research, University of Alabama, May 2025. Roof tier, nearest-neighbor analysis, tree-fall claims excluded. Loss ratios measure claims paid relative to premiums, not homeowner premium savings. Past storm performance does not guarantee outcomes in future events. Read the IBHS summary ↗
§VI The company
The team behind Althea.
Decades in catastrophe risk, reinsurance, insurance operations, product, climate science, finance, and engineering. People who’ve built institutions and built products used by millions of customers.
Join Althea.
Help us build the models, software and operations behind the coverage.
§VII Where we’re launching
Alabama. Louisiana.
North Carolina.
