Louisiana Wind Mitigation Survey / Premium Discount

How it works

Louisiana homeowners who voluntarily strengthen their homes against storms and hurricanes may be eligible for premium discounts and tax breaks. The Department of Insurance says the homeowner first contacts the insurance company or agent, then completes the Wind Mitigation Survey Form, and then submits it to the insurer or agent.

What the money covers

This is not a grant or rebate from the state. It is an insurance premium discount tied to documented mitigation features. The department says the information surveyed is used to calculate what storm mitigation has been completed and whether the homeowner is eligible for premium discounts or incentives.

Amounts and matching

The page does not give a fixed dollar amount. It says admitted insurance companies are required to offer actuarially justified premium discounts for wind mitigation. The exact discount depends on the insurer and the home’s documented features.

How to apply

1. Contact your insurance company or agent.
2. Download and complete Section I of the Wind Mitigation Survey Form.
3. Use the LSUCCC database to find an authorized surveyor.
4. Have the home assessed by a qualified surveyor, code enforcement officer, architect, engineer, or authorized third-party provider.
5. Submit the completed form to the insurer or agent.

Timing and deadlines

The page does not state a deadline. It frames this as an ongoing insurance discount process.