Alabama Insurance Premium Discounts for IBHS FORTIFIED Structures

How it works

The Alabama Department of Insurance says Bulletin 2016-07 established benchmark wind mitigation discounts for residential and commercial structures in every county in Alabama. The bulletin was issued after work with IBHS, the American Institute for Research, and Aon Benfield to estimate the savings from wind-mitigation features. (insurance.alabama.gov)

What the discount covers

According to the department, the discounts apply to structures mitigated under IBHS standards, including homes built or retrofitted to IBHS FORTIFIED standards. The bulletin announcement describes the discounts as applying to the hurricane portion and other wind portion of the premium. (insurance.alabama.gov)

Amounts and matching

The department’s announcement says discounts range from 35% to 60% on the hurricane portion of the premium and from 20% to 35% on the other wind portion of the premium. It also says the benchmark varies by county. (insurance.alabama.gov)

Why homeowners care

This is not a cash grant. It is a state-mandated insurance pricing benefit for homes that meet the FORTIFIED standard, so it can reduce ongoing insurance costs after a retrofit or new construction upgrade. (insurance.alabama.gov)