In Florida, homeowners can qualify for a wind mitigation discount on their insurance premiums by proving that their home has certain features that reduce the risk of damage during windstorms. These discounts are mandated by Florida law and can significantly lower insurance costs. Here’s how to qualify:
1. Wind Mitigation Inspection:
- Hire a Certified Inspector: The first step is to get a wind mitigation inspection by a licensed contractor, building inspector, or a licensed engineer. The inspector will evaluate your home for specific wind-resistant features.
- Inspection Report: After the inspection, the inspector will provide a wind mitigation report (Form OIR-B1-1802) that details the wind-resistant features of your home.
2. Key Features Evaluated:
- Roof Covering: The type and age of your roof covering (e.g., shingles, metal) and whether it meets Florida Building Code requirements.
- Roof-to-Wall Attachment: The method used to attach the roof to the walls, such as hurricane clips or straps.
- Roof Deck Attachment: The thickness and material of the roof deck and how it is attached to the roof structure.
- Roof Shape: The shape of your roof, with hip roofs generally offering better wind resistance.
- Opening Protection: The presence of impact-resistant windows, doors, and other openings or hurricane shutters.
- Secondary Water Resistance: The use of a waterproof underlayment beneath the roof covering to prevent water intrusion.
3. Submit the Report to Your Insurance Company:
- Once you have the wind mitigation report, submit it to your insurance company. They will review the report and adjust your premium accordingly, based on the features that qualify for discounts.
4. Potential Savings:
- The amount of savings varies depending on the features present in your home and the insurance company’s discount structure. Some homeowners can save up to 30% or more on their windstorm insurance premiums.
5. Renewal and Reinspection:
- Wind mitigation reports are generally valid for five years, but you may need to get a new inspection if you make improvements to your home, such as adding hurricane shutters or replacing the roof, to ensure you get the maximum discount.
Helpful Tips:
- Upgrades: If your home lacks some of these features, consider making upgrades, such as installing hurricane shutters or improving roof attachments, to qualify for greater discounts.
- Shop Around: Different insurance companies may offer varying discounts for the same features, so it’s a good idea to compare rates.
For more detailed information on wind mitigation and insurance discounts, you can check resources like the Florida Office of Insurance Regulation or consult with a licensed insurance agent in Florida.
