Mandatory hurricane loss mitigation insurance discounts

How it works

Florida requires insurance companies to offer mitigation discounts or credits for home improvements that make a house more resistant to storm damage. The state says these discounts apply to the windstorm portion of the premium.

What the money covers

The state consumer materials describe discounts for approved hurricane hardening features such as specific roof coverings or roof connections and shutters. The state also says wind mitigation inspection forms and related notices are used to document qualifying features.

Amounts and matching

The state does not publish a single statewide dollar amount because the savings depend on the insurer, the home, and the features installed.

How to apply

Homeowners generally need a wind mitigation insurance inspection from a qualified inspector. The state says insurers must accept a valid uniform mitigation verification form certified by DFS or signed by certain licensees.

Timing and deadlines

Insurance companies have been required by statute to provide notice of available mitigation credits on new business and renewals since October 1, 2005.