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Catastrophic hurricanes making landfall in the U.S. have triggered drastic increases in insurance premiums. Since Hurricane Andrew struck in 1992, Florida has taken the lead in adopting regulatory provisions related to hurricane resistant construction.
Shortly after Andrew, Florida Statute 627.0629 was adopted to require residential property insurance providers in Florida to provide "discounts, credits, or other rate differentials, or other appropriate reductions in deductibles" for residential properties where construction methods that have been shown to reduce loss caused by windstorms are employed. Incentives are required to be offered for mitigation techniques that address "roof strength, roof covering performance, roof-to-wall strength, wall-to-floor-to-foundation strength, opening protection, and window, door, and skylight strength." Insurance providers are required to provide a percentage discount range for the mitigation measure to the Florida Office of Insurance Regulation to be available to homeowners.
In the years since Andrew, changes have been made to continue to improve the hurricane resistance of homes. This is done predominately through building codes for new homes and through insurance incentives for existing homes
The amount of the incentive varies according to risk associated with the geographical location, building materials, and construction methods of each home as well as actuarial data from individual insurance companies. (Discounts apply only to the hurricane-wind portion of your policy; contact your insurance agency for more information.)
You may qualify for a DISCOUNT ON YOUR HOMEOWNERS INSURANCE. To qualify you must submit an inspection from a state certified wind mitigation inspector, licensed contractor, building inspector, architect, or engineer, legally validating and identifying the existence of any wind mitigation measures, such as:
- Roof Shape
- Roof Deck Attachment
- Roof Covering
- Roof to Wall Connectors
- Window Protection
- Door Protection
- Secondary Water Resistance (barrier)
- YEAR BUILT
WE ARE Florida state certified wind mitigation inspectors.
If you have a hip roof, permanently installed approved shutters for windows and doors or any of the above credits you may qualify for discounts on the wind portion of your insurance policy.
CONTACT US AT (386) 761-6446