Hurricane Mitigation Insurance Discounts

" The state of Florida requires insurance companies to offer discounts for protecting your home and mitigating damage that may be caused by hurricane-force winds.


Securing your roof so it doesn’t blow off and protecting your windows from flying debris are the two most cost-effective measures you can take to safeguard your home

and reduce your windstorm (hurricane) premium.


By installing mitigation features, you may be eligible to receive a reduction in your windstorm premium, reduce your out of pocket expenses, such as your hurricane deductible,

and minimize the damage to your home from a catastrophic event. These discounts apply only to the windstorm coverage of your policy. "

-FL Dept. of Financial Services


Hurricane Mitigation Insurance Discount Information & Forms:

Premium Discounts for Hurricane Loss Mitigation: A GUIDE FOR CONSUMERS

Notice of Premium Discounts for Hurricane Loss Mitigation (OIR-B1-1655)

Uniform Mitigation Verification Inspection Form (OIR-B1-1802)


Relevant Resources:

Florida Building Commission - FL Building Code Information

FL Office of Insurance Regulation - Hurricane Season Resources

Florida Wind Insurance Savings Calculator

Insurance Information Institute - Background on: Hurricane and windstorm deductibles

ValuePenguin - Florida Wind Insurance and How to Lower Costs With Wind Mitigation Credits