We have recently started telling all of our Florida homeowners insurance clients to have a wind mitigation inspection completed on there home.

Florida homeowners insurance carriers are offering as much as a 40% discount on their homeowners insurance based on the credits that the roof of their home actually qualifies for. We have found homes in Central Florida that were built as early as 1970 that had straps on the trusses, which is one of the larger wind mitigation discounts available.

What we recommend is having a certified Florida home inspector or Florida licensed roofer provide a complete wind mitigation inspection. Generally costs range from $70 – $100 and the savings on your insurance can continue for years after the initial policy period.

In order to determine if your home may be eligible these discounts, have someone take a look in the attic where the roof trusses meet the exterior walls. If there is a roughly 1″ metal strap or clip that wraps over the truss and attaches to the exterior wall you might be eligible for some pretty substantial discounts on your Florida homeowners insurance policy.

According to the Insurance Journal:

The Florida Senate and Banking Insurance Committee recently approved a bill that would give homeowners insurers some latitude, allowing them to raise their rates without first getting approval from the state insurance department. The bill would let insurers increase their rates by a statewide average 15 percent above their current rate.

Senator Alan Hays, who sponsored the bill, said that while the latest bill is no “magic-bullet,” it would bring more latitude to the market. “This is an issue of consumer choice that hopefully leads to a more competitive market”.

To make sure you are getting the best coverage at the best rate visit our site.