Wind Mitigation Credit
If you're looking to save BIG on your next stop at your local insurance agency for your homeowners insurance policy renewal, look no further then your own home! Follow this tiny but helpful list for tips on what to look for and the right updates to do:
- What is the age of your roof? (if more than 25 years or done before the FBC (Florida Building Code) passed in 2002 you might want to start shopping around for a new one) as most companies will not even want to insure your home.
- Are all your windows and doors protected from high winds? Placing either hurricane windows, or hurricane shutters will save you a bunch.
Most roofs built after 2002 have the right protection in case we have a big hurricane season. They have clips and straps that holds down the roof; the bigger the nail size the bigger is going to be your discount. The more straps holding the roof down, the more you'll save (double straps).
Your windows should have at least hurricane panels on them. To get the discount ALL opennings should be 100% covered! Meaning from one side to the other. Otherwise, if you miss one tiny hall or bathroom window you miss getting the discount.
Wind Mitigation Inspection is only a fraction of the cost that you'll be saving on your yearly policy; range around $150. Remember if your property is well resistant to high winds than your local homeowners insurance agency must give you a discount for taking such good care of your own property and contents inside!