Wind Mitigation

Click HERE for cost structure


Florida law requires insurance companies to offer homeowners discounts or credits for existing building features or home improvements that reduce damage and loss from hurricanes. Florida insurance companies are required to file these discounts with the Office of Insurance Regulation.

The wind portion of your premium is between 15 and 70 percent of your total premium, depending on where you live in Florida. 


HOW TO APPLY FOR YOUR INSURANCE DISCOUNT

1. Contact your agent or your company directly to find out the specific items for which discounts are available. 

2. Verify the amount of the discount for each item as it applies to YOUR policy. For example: Hurricane shutters will result in a 30 percent discount on the windstorm premium. The windstorm premium is $300 of the total $600 annual premium. Therefore, the discount will equal a $90 annual savings on the premium.

3. Request the specific criteria that is needed to apply for and receive the discounts that are listed for your company. Example: Does the roof need to be inspected by a certified wind inspector? Do the shutters need to meet a specific wind resistance rating?

4. Verify the documentation that needs to be submitted in order to apply for and receive the discounts. Example: photos of the items installed, proof of purchase and installation.

5. Verify to whom the documentation should be submitted. Be sure to keep copies of all documentation, the date submitted and the mailing verification information.

6. Request confirmation of when the discount will take effect.