How You Can Lower Your Windstorm Insurance Premiums

How You Can Lower Your Windstorm Insurance Premiums

Florida windstorm insurance premiums have increased over the past few years because of an increase in severe storms. While some homeowners are taking their chances by letting their policies lapse, they are leaving themselves unprotected for the next big hurricane. The good news is there are ways to lower the cost of insurance premiums to maintain coverage for your home.

Throwing Caution to the Wind

The damage caused by a windstorm can be severe and very costly to repair. Besides obvious problems such as losing a roof or felled trees, wind can also blow out windows and doors, leaving your home open to flooding.

Building Blocks

If your home was built after 2002 (or 1994 in southern Florida), you are in luck. House construction since that time has incorporated wind-resistive building methods to withstand the severe weather. Some of the added features may include:

  • Gable end bracing
  • Single or double roof clips
  • Hip roof framing
  • Concrete block construction

If your home was built before windstorm regulations began, you can have your house retrofitted to reinforce the structure.

Another Pair of Eyes

A wind mitigation inspection can also help reduce your Florida windstorm insurance premiums. This close inspection can be performed by a licensed inspector or other contractors to determine your property’s ability to resist damage from winds or other storm events.

With an inspection report and wind-resistant features, you may be able to reduce your premiums significantly. Talk to your insurance agent for any other cost-cutting advice to maintain coverage for your home.