Lower Home Insurance Premium by Installing Hurricane Shutters

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Lower Home Insurance Premium by Installing Hurricane Shutters

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Enjoy Lower Home Insurance Premium by Installing Hurricane Shutters and Arranging for Windstorm Mitigation Inspection

Hurricane shutters not only protect your home during a storm but they can also save you money on your homeowner’s policy. Extreme weather conditions often take its toll on our homes in South Florida. In fact much of the devastation that took place in Miami, Florida with hurricane Andrew in 1992, could well have been avoided if the homes were better protected with hurricane shutters. Different varieties of hurricane shutters made from various tough materials such as

  • Steel 
  • Plywood
  • Aluminum

The shutters can be operated either manually or with power but make sure there is a power back up to operate it.

The main protection that hurricane shutters provide….

Lower Homeowners Insurance Premiums

Lower Homeowners Insurance Premiums

 The main protection that hurricane shutters provide is for doors and windows of a home and also in preventing the entry of debris at the time of a hurricane taking place. Unfortunately in most cases, homes that are prone to severe storm threats are forced to pay higher premium rates towards home owners insurance.

This can be well avoided by getting a Windstorm Mitigation Inspection done for the home having hurricane shutters installed. Such an Inspection provides an accurate evaluation of eligible credits available to a homeowner that can be used against paying of premium towards a homeowner’s insurance policy premium.

Martin County Inspection Process

When a Windstorm Mitigation Inspection is done it implies that licensed Inspectors have inspected and assessed the home premises thoroughly with regard to the structural and infrastructural worthiness of the home and its strength to withstand the damaging effects of frequently occurring natural catastrophes such as hurricanes, thunderstorms and tornadoes.

The inspection process involves checking on the four key components and their features for vulnerability towards damage in the event of a hurricane, thunderstorms and tornados.In addition to these, it gives a clear perspective to homeowners on what new protective features need to be included at the time of upgrades or renovation.

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Windstorm Mitigation Inspection can save you money.

Windstorm Mitigation Inspection

 Living in sunny South Florida our homes are located in a storm-prone area, and because of that Homeowners Insurance becomes a little bit more of a complex issue.

The Complexity relates to storm threats inflating your Home Insurance premiums, because storms are such a big Insurance and financial risk.

All is not lost however.

You definitely don’t have to subject yourself to higher premiums even if we are located in an area that is vulnerable to damaging windstorms and hurricanes. 

A Windstorm Mitigation Inspection, will help to determine what credits you receive on your Homeowners Insurance premium. 

What is a Palm Beach Windstorm Mitigation Inspection?

A Windstorm Mitigation Inspection is an official protocol through which Inspectors assess your home. This is carried out with a visual Inspection to determine how

appropriate your home’s building structure is in withstanding the effects of strong winds such as hurricanes, tornados or windstorms.

During the Inspection, the four major components in your home are zoned-in on and we focus on a selection of established construction features which

have the ability to limit losses during  wind storms or hurricanes.  

A Windstorm Mitigation Inspection could be commissioned by an Insurance Company, or it can be initiated by the homeowner. A homeowner should get the Windstorm Mitigation

Inspection because this would be a step to reduce the Policy Premiums and give you peace of mind knowing that your home is safe.

Since Insurers themselves are justifiably notorious for offering increased premiums to homeowners in hurricane high-risk areas, it becomes imperative for homeowners to take this initiative.

 A complete Windstorm Mitigation Inspection, which is certified and fully-recognized by Insurance Companies, is best attained through a dedicated Home Inspection business.

These specialized professionals offer additional value services such as:

  • 4 Point Inspections
  • Citizens Roof Certification Inspection
  • Home Inspection

Money Saved through Windstorm Mitigation Goes Beyond Homeowners Insurance While the money-saving implications of a Windstorm Mitigation Inspection are

primarily linked to the savings on the policy premiums. Homeowners also gain expert knowledge on how they can physically improve their homes to withstand

the forces of nature. In case a storm actually does materialize with the potential to damage their property, homeowners can save money if their properties have

structures that can withstand those storms and avoid damage.

 Any subsequent upgrade, contract job adjustment, reconstruction or improvement not only better equips the building to deal with possible wind damage, but can

also be worked into one’s Home Insurance premiums quote. At the end of the day, insurers assess the amount of risk tied to their contractual arrangement with homeowners.

A Windstorm Mitigation Inspection plays a major role in reducing that risk, which ultimately affects the calculated Insurance premiums.

Call us today to schedule your next Inspection – Phone #561-393-9977 

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Why get a Windstorm Mitigation Inspection on your home?

Windstorm Mitigation Inspection is the only inspection that is almost always going to result in some level of insurance discount on your insurance policy premium. A Windstorm Mitigation Inspection is for homeowners that are trying to reduce their Home Insurance rates up to 50% off the original policy premium.

If your home has undergone a Windstorm Mitigation Inspection you are potentially eligible for insurance discounts or credits from insurance companies.Insurance companies increase their odds of insuring more secure, less damage-susceptible properties in targeted areas.

If you have not had a Windstorm Mitigation Inspection on your home, chances are you are paying too much for your windstorm insurance! Having your Windstorm Mitigation Inspection today on your home could translate to savings and give you a peace of mind.

In Palm Beach County if your home was built on or after January 1st, 2012 you are eligible for minimum FBC 2001 credit.
In Broward/Miami-Dade if your home was built after 1996, you are eligible for an opening protection class C credit. If your home was built after 2002 or later you are eligible for opening protection class A credit.

Here are something’s that the Inspector will look at during a Windstorm Mitigation Inspection of your home.


Age of the home
Roof Covering – When was the roof installed and does it meet South Florida building codes.
Windstorm Mitigation Inspection Roof Covering






Roof Deck Attachment – What type of roof decking is used and how it is attached to the underlying structure.






Roof to Wall Attachment – How the rafters/trusses are attached to the wall top plate.






Roof Geometry – What type of roof your home has (example: Hip, Flat or other.)

Opening Protection for Doors & Windows – Shutters or impact resistant coverings or products.



 Call us today to schedule your next Inspection… Phone #561-393-9977