Mississippi state-mandated wind mitigation insurance discounts for IBHS/FORTIFIED homes

How it works

The Mississippi Insurance Department says state law requires insurance companies to give discounts to people who mitigate their homes to Insurance Institute for Business and Home Safety (IBHS) standards. MID further says insurers have filed discounts with the department ranging from 15 percent to 30 percent for fortified homes.

What the money covers

This is an insurance premium discount tied to home mitigation, not a direct payment for work. The official page gives examples of mitigation steps, including fastening the roof to the walls with hurricane straps and adding hurricane shutters.

Amounts and matching

MID’s consumer page says insurer-filed discounts range from 15% to 30% for fortified homes. The page also says many companies offer discounts for bundling home and auto policies.

How to use it

The page is informational rather than an application portal. Homeowners would need to confirm the discount with their insurer and provide whatever evidence the insurer requires that the home meets the applicable IBHS/FORTIFIED standard.

Timing and deadlines

No deadlines are stated on the official page.