Due to Florida’s history of bad weather, insurance companies have raised the rates of most insurance policy premiums. Florida Statues now require that all insurance companies provide discounts for the hurricane damage portion of the premium if certain construction features are in place.

Up to 75% of homeowners, condominium unit owners, renters, and apartment or condominium associations could save substantial amounts, simply by submitting a completed Wind Mitigation Survey, performed by a qualified inspector, to their insurance companies. These surveys are valid for five years and the discounts are applied annually for that period.

The amount of discounts is determined by the location of the home and the following items (not all are required):

  • Roof Covering
  • Roof Deck Attachment
  • Roof to Wall Attachment
  • Roof Geometry
  • Gable End Bracing
  • Wall Construction Type
  • Secondary Water Barrier
  • Door and Window Protection