Understanding Florida’s Wind Mitigation Credits for Homeowners Insurance

Florida homeowners can significantly reduce their insurance premiums by taking advantage of wind mitigation credits. These credits are designed to reward homeowners who implement measures to protect their homes from windstorm damage, particularly during hurricanes.

What Are Wind Mitigation Credits?

Wind mitigation credits are reductions in insurance premiums provided to homeowners who have implemented measures to enhance their home’s resistance to wind damage. These measures may include strengthening the roof, installing impact-resistant windows and doors, and securing other openings. The aim is to lower the risk of damage from strong winds and airborne debris during a storm.

How to Qualify for Wind Mitigation Credits

To qualify for wind mitigation credits, homeowners must undergo a wind mitigation inspection performed by a certified inspector. This inspection evaluates various aspects of the home, such as the roof shape, roof deck attachment, roof covering and the protection of openings like windows and doors. Homes built after 2002 are generally constructed to meet certain safety codes, making them more likely to qualify for these credits.

Benefits of Wind Mitigation Credits

The primary benefit of wind mitigation credits is the reduction in insurance premiums. Additionally, wind-resistant features may help prevent extensive damage during a storm, potentially avoiding the need to meet your full hurricane deductible.

Learn More

For wind and homeowners insurance near you, contact Bruening Insurance Agency.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.