It goes without saying that Florida is prone to hurricane damage, which is why our state has the highest homeowners’ insurance rates in the country. To reduce the overall impact of a major hurricane, a law went into effect on June 1, 2002 (Fla. Stat. Ann. § 627.0629) that requires homeowners’ insurance carriers to offer discounts on hurricane windstorm coverage to residents who install wind-resistant features or use wind-resistant construction techniques on their homes.
Because so many people were unaware that these discounts existed, another law went into effect in 2005 (Senate Bill 1486) that requires insurance providers to inform their policyholders and applicants about said discounts.
These discounts may reduce the hurricane windstorm portion of your homeowners’ insurance by up to 42 percent, which can add up to major savings over time. To be eligible, your insurance company will most likely require a certified inspector to evaluate the wind-resistant features of your home. You will have to pay for the inspection, but the premium savings should offset this cost.
Wind-resistant features include impact-rated glass, hurricane shutters, certain roof coverings, roof-to-wall connections, having a hip roof shape, and roof deck fastening.
Unfortunately, no matter how well you prepare your home for high winds and heavy rain, a major hurricane can still cause serious damage. If you end up having to file a homeowners’ insurance claim but your carrier underestimates your repairs or denies your claim without justification, turn to Leader & Leader P.A.
Michael D. Leader is an insurance claims lawyer in Fort Lauderdale who knows the tactics that insurance companies use to deny and undervalue claims. He will evaluate your situation, answer your questions, gather evidence, and help you enforce your rights. Call 954-523-2020 to schedule a free consultation. Our office is available 24 hours a day, 7 days a week.
You Might Qualify for a Free Home Inspection from a Hurricane Mitigation Inspector
If you want to find out how you can strengthen your home against a hurricane but you are worried about the cost of an inspection, you might be able to get a free inspection if you meet certain qualifications of the Florida Comprehensive Hurricane Damage Mitigation Program. These qualifications include:
- Your primary residence is a site-built, single-family home;
- The insured value of your home is less than $500,000;
- Your home has a homestead exemption; and
- Your home is not a business, apartment, rental property, second home, or mobile or manufactured home.
You may also qualify for grants to pay for a secondary water barrier, reinforcement of roof-to-wall connections, a roof deck attachment, brace gable ends, exterior doors including garage doors, or opening protection.
Even if your home has not been fitted with these wind-resistant features, you still deserve to be treated fairly by your insurance carrier. If you believe that your provider has undervalued or denied your claim without a valid reason, contact Leader & Leader P.A. Call 954-523-2020 to schedule a free consultation with an insurance attorney in Fort Lauderdale.