Florida-required hurricane loss mitigation premium discounts

How it works

Florida’s consumer guide says the state requires insurance companies to offer discounts for protecting a home and mitigating damage caused by hurricane-force winds. These discounts apply only to the windstorm coverage portion of the policy.

What improvements matter

The guide says homeowners can reduce premiums by hardening the home, with securing the roof and protecting windows from flying debris highlighted as the two most important examples. It also says homeowners need a qualified inspector to document wind-mitigation features on the Uniform Mitigation Verification Inspection Form, including photographs.

Amounts and matching

The document does not give a statewide fixed dollar amount. Instead, it says the insurer must provide a Wind Mitigation Notice of Premium Discount Form with each new policy and renewal, and that form shows how much the premium may be reduced based on the home’s mitigation features.

How to apply

Homeowners need a wind mitigation inspection from a qualified inspector. The guide says the insurer must give the Wind Mitigation Notice of Premium Discount Form at policy issue and renewal, and the homeowner should use the inspection documentation to claim available discounts with the insurer.

Timing and deadlines

The guide does not give a start or end date because this is an ongoing state insurance requirement, not a one-time grant program.