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LAB Pro University

Wind Mitigation

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Florida Windstorm Insurance rates may be substantially reduced by obtaining a Certified Wind Mitigation Inspection. This special inspection verifies the construction methods in place that provide protection to your home from wind hurricane damage. Savings are usually by a check from your insurance company within 3-6 weeks.

According to Florida Statute 627.0629, all insurance companies are required to offer Florida homeowners "discounts, credits, or other rate differentials..." for particular construction techniques that help to reduce wind damage caused by hurricanes, tropical storms and other windstorms related claims.

How much will I save? Discounts depend upon the windstorm portion of your insurance premium. Depending on where you live, windstorm portions are between 15% and 70% of your premium.

Since 2007, Florida's Financial Services Commission requires insurance providers to supply specific information on the value of individual wind mitigation measures based on an individual home’s location, age, construction methods, and materials. This lets you know the cost/benefit of various wind mitigation measures. Discounts are complex to determine, so you should contact your Insurance Company for discounts for the various combinations of wind mitigation features in your home. The Savings Calculator below can be helpful once you know the specific wind mitigation features of your home.

Lon Barnaby is fully qualified to perform Certified Wind Mitigation Inspections

Florida Insurance Discount Program

Insurance Savings Calculator