WANT TO SAVE MONEY ON YOUR INSURANCE
Many Floridians who live in homes built after
2002, or after 1994 in Miami-Dade or Broward
counties, do not realize that their homes may
qualify for one or more insurance discounts.
Tools and resources
are available at
www.mysafefloridahome.com to help you learn
what you can to do strengthen your home against
hurricanes and the insurance discounts that may be
available when you apply
hurricane-resistant building techniques to your
Take the Florida
Wind Insurance Incentives Survey
Provided by the Florida Department of Community
This web site allows Floridians in single-family
homes or duplexes to see what insurance
discounts are available based on certain
building features that better protect the home
or duplex from hurricane damage. Some features
include improved roof shingles, hurricane clips
or straps, shutter protection for windows and
other construction techniques.
DISCLAIMER: The discounts presented
at the end of the survey are given
as a percentage of the wind portion
of your total insurance premium. The
wind portion of your premium is
between 15 and 70 percent of your
total premium, depending where you live in Florida.
Sheet by Insurance Company
Provided by the Office of Insurance Regulation
Florida law requires insurance companies to
offer homeowners discounts or credits for
existing building features or home improvements
that reduce damage and loss from hurricanes.
Florida insurance companies are required to file
these discounts with the Office of Insurance
This website offers homeowners general discount
information by insurance company and explains
what range of discounts may be available.
Discount information is available for an
estimated 60 insurance companies, and updates continue to be posted.
DISCLAIMER: A new law passed during the
2006 Session requires the Office of Insurance
Regulation to evaluate all discounts filed by
insurance companies and to ensure insurance
companies are providing eligible homeowners with
applicable discounts by July 1, 2007.
The discounts presented at the end of the survey
are given as a percentage of the wind portion of
your total insurance premium. The wind portion
of your premium is between 15 and 70 percent of
your total premium, depending where you live
APPLY FOR YOUR INSURANCE DISCOUNT
1. Contact your agent
or your company directly to find out the specific
items for which discounts are available.
2. Verify the amount of the discount for each item
as it applies to YOUR policy. Example: Hurricane
shutters will result in a 30 percent discount on the
windstorm premium. The windstorm premium, in this
example, is $300 of
the total $600 annual premium. Therefore, the
discount will equal a $90 annual savings on the
3. Request the specific criteria that is needed to
apply for and receive the discounts that are listed
for your company. Example: Does the roof need to be
inspected by a certified wind inspector? Do the
shutters need to meet a specific wind-resistance
4. Verify the documentation that needs to be
submitted in order to apply for and receive the
discounts. Example: photos of the items installed,
proof of purchase and installation.
5. Verify to whom the documentation should be
submitted. Be sure to keep copies of all
documentation, the date submitted and the mailing
6. Request confirmation of when the discount will
7. Verify if the discount will be in the form of a
premium discount, a credit to your premium balance
or a refund on premium paid.