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Premium discounts should be available for your homeowner policy.
If you have certain building features or make certain improvements that will strengthen your home against the destructive power of hurricane force winds, you could save on your windstorm insurance policy premium. In fact, these home improvements may already exist on your home!
As an example: below is a home that doesn't have a roof covering or any window protection that qualifies for insurance discounts. However it still qualifies for premium discounts of 24% at over half of the 147 insurance companies in the state. The fact that it is a 'Hip Style' roof helps.
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House and Location |
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| Construction Type: | Existing Construction | |
| Year Built: | Prior to 2002 | |
| County: | Pinellas | |
| Wind Speed Region: | 120 MPH | |
| Terrain Region: | Terrain B | |
| Wind-Borne Debris Region: | Windborne Debris Region | |
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Basic Construction Features |
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| Number of Stories: | One Story | |
| Roof Shape: | Hip | |
| General Roof Deck Type: | Dimensional Lumber | |
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Refine Search |
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| Specific Roof Deck: | Dimensional Lumber with Nails | |
| Roof Cover: | Non-FBC Tile | |
| Has Secondary Water Resistance: | No SWR | |
| Roof-Wall Connection Type: | Toe Nails | |
| Opening Protection Type: | None | |
| Door Type: | Unprotected Doors | |
You can check for yourself how your house might do by going to the following link, but be sure to come back to this page so I can do the verification inspection for you!! If you would like to call me to discuss your home, please feel free.
| Basic Feature | General Description |
|---|---|
| 1. Roof Shape | Hip, Flat or Other |
| 2. Roof Covering | FBC Equivalent Shingles and Non-FBC Equivalent Asphalt Shingles and Reinforced Concrete Roof |
| 3. Secondary Water Resistance | Specific Waterproofing Material under the Roof Felt |
| 4. Roof-to-Wall Connection | Specific Types of Clips and Hurricane Connectors/Straps |
| 5. Roof Deck Attachment | Thickness of Roof Decking and Size & Pattern of Nails or Screws |
| 6. Opening Protection | Shutters over Doors and Windows or Hurricane Windows |
If these housing features and mitigation devices are present in your home or in your condominium unit, contact your agent to see if you qualify for a premium discount. Mobile homes are not eligible for these discounts. The discounts are not available to some homeowner and dwelling fire polices when Windstorm Exclusion forms are shown in the Declarations. If you have a question concerning this matter, or to verify if you are currently receiving discounts contact your agent.
In order to qualify for many of these premium discounts, your building features and home improvements need be verified.
If you currently have any of the above housing features and are not receiving a discount, I would be happy to schedule a verification inspection with you. The report is valid for 5 years from the date of the inspection so if you change insurance companies in that time period you can reuse the report.
Please feel free to use the interface below to send me an email or call me (Brett) at 727-452-3079.
