Save Some Money (and Worry) With
Did you know you can receive a discount on your policy for strengthening your home against strong winds? It’s true, and living in a hurricane-prone state like Florida, it’s also incredibly important. Below is a little information about what’s known as wind mitigation and why it should be important to you.
Why Do I Need This?
Great question – we know that adding materials to your home to help it resist hurricane force winds is expensive – but it can also help protect your home in the long run. Unfortunately, Florida has a history of being hit by hurricanes, with 40% of all occurrences in the United States happening in our state. Not only are we prone to hurricanes, but other storms as well. Adding wind resistant features can help prevent or reduce damage to your home, give you peace of mind, and potentially save you some money on your policy!
What Kind of Discounts Does Monarch Provide?
Here at Monarch, we’re dedicated to providing our fellow Floridians with the best possible coverage at the most competitive and accurate rates. We understand how important it is to feel safe and secure in your home, especially during hurricane season. That’s why we offer fantastic discounts to policyholders who make updates to strengthen their homes against the elements. It’s one of the many ways we put our customers first.
Wind mitigation discounts are applied toward the windstorm portion of your total insurance premium. The number of wind-resistive construction features present on your home, condo, or townhome (the more wind-resistive features you have), the higher the total discount will be for your property. These discounts apply to both existing construction (condos and homes built prior to 2002) and new construction built to the new statewide Florida building code (FBC).
Does My Home Have Wind Mitigation Features?
By obtaining a mitigation inspection, also referred to as a wind mitigation inspection, from a qualified inspector such as a licensed general contractor, building contractor, architect, engineer, building inspector, or home inspector.
The Inspector will collect the following information on 7 key categories during the inspection:
- Building Code: The age of the home to determine what building code was in place at the time of construction.
- Age of Roof Covering: Inspectors want to know when the roof was installed and if it meets the Florida building code standard that was updated in 2001.
- Roof Deck Attachment: Inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure.
- Roof to Wall Connection: Are the trusses attached with nails or hurricane clips? Are the wraps double or single?
- Roof Geometry: The shape of your roof based on percentages.
- Secondary Water Resistance: The barrier that prevents the roof from leaking if the shingles are blown off.
- Opening Protection: Hurricane-rated protection from wind-born debris for doors and windows.
If you’ve already taken these steps, we encourage you to schedule a policy review with your agent to ensure you’re receiving all the applicable discounts for your home’s wind mitigation features.