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SAVE MONEY ON
YOUR INSURANCE PREMIUMS
Many Floridians who live in a home
built after 2002, or after 1994 in Miami-Dade or Broward counties, do
not realize that their home may qualify for one or more insurance
discounts with Hurricane Protection upgrades like Hurricane Shutters.
• Take the Florida Wind Insurance
Incentives Survey
Provided by the Florida Department of Community Affairs at:
http://www.dca.state.fl.us/fdem/mitdb/index.cfm
DISCLAIMER: The discounts presented at the end of this 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 on where you live in Florida.
• Discount Sheet by Insurance
Company
Provided by the Office of Insurance Regulation
https://apps.fldfs.com/WindMitigation/
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
Regulation.
This Web site 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 on this Web site, and updates will 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 on where you live in Florida.
HOW TO 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. For example: Hurricane shutters will result in a 30
percent discount on the windstorm premium. The windstorm premium is
$300 of the total $600 annual premium. Therefore, the discount will
equal a $90 annual savings on the premium.
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 rating?
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
verification information.
6. Request confirmation of when the discount will take effect.
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.
We look forward to
doing business with you!
The Empire
Construction Team
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