Damage to homes and vehicles from Hurricane Francine will cost insurers about $1.5 billion, which is moderate by industry standards and not expected to make the state's insurance crisis any worse.

After making landfall as a Category 2 storm, Hurricane Francine is estimated to have done around $1.5 billion worth of damage across its path of destruction in Louisiana and Mississippi.

That’s going to make insurance more accessible,” said Dan Mills, CEO of the Homebuilders Association of Greater New Orleans. “But if there aren’t any carriers writing in our area, then the carriers that do write policies can only write a small subset.

The Fortify Homes Program is back online, focused on strengthening the roofs of Louisiana homeowners to better withstand hurricane-force winds.

Louisiana homeowners living in coastal parishes can apply for state grants up to $10,000 to help fortify their roofs. The application period ends at 5 p.m. Friday. The Louisiana Department of Insurance is giving out 300 grants randomly through a lottery system.

The next round of Louisiana's grants for roof fortification opens Wednesday. The big picture: Homeowners can qualify for a $10,000 grant to upgrade their roofs to standards set by the Insurance Institute for Business & Home Safety.