Alabama Wind Mitigation Discounts

How it works

The Alabama Department of Insurance says the Commissioner adopted benchmark discounts that must be considered in all rating plans for property insurance policies providing wind coverage. The official handout reproduces the benchmark discount table for eligible mitigation categories. (aldoi.gov)

What the money covers

This is not a grant or rebate; it is an insurance premium discount tied to wind-mitigation construction and certification. The handout lists mitigation categories such as FORTIFIED for Safer Living, FORTIFIED Home Gold, Silver, Bronze, and 2006 IRC or later construction. It also lists technical construction features including rated windows, skylights and glass doors, a continuous load path from roof to wall to floor to foundation, and minimum 7/16-inch structural sheathing. (aldoi.gov)

Amounts and matching

The benchmark discounts in the handout are listed as follows for wind insurance premium: FORTIFIED for Safer Living 50% for existing homes with roof over 5 years and 60% for existing homes with roof 5 years or less and new homes; FORTIFIED Home Gold 40%/50%/50%; FORTIFIED Home Silver 35%/45%/45%; FORTIFIED Home Bronze 20%/35%/35%; and 2006 IRC or later 10%/20%/20%. (aldoi.gov)

How to apply

The handout itself does not describe the homeowner application process. It does say questions can be directed to the Alabama Department of Insurance contact listed on the document. (aldoi.gov)

Timing and deadlines

No program closing date is stated in the handout. The discounts are presented as benchmark discounts applicable to wind insurance premium rating plans. (aldoi.gov)