Florida hurricane mitigation discounts
When a policy covers the peril of Hurricane, Windstorm or Hail, a risk located in the State of Florida may be eligible for a premium credit if one or more of the following dwelling components or characteristics include loss mitigation features or construction techniques:
Dwelling component | Contingent upon |
|---|---|
Roof covering | Roofing materials and attachment specifications |
Roof deck attachment | Roof decking material, nail size & spacing, truss spacing |
Roof-wall connection | Use of nails, clips and double wraps |
Opening protection | Grade of impact testing |
Secondary water resistance | Use of Bitumen Tape or foamed polyurethane structural adhesive |
Roof shape | Hip or gable roof shape |
The company will use form OIR-B1-1802, included in new business paperwork, to substantiate the existence of qualifying loss mitigation features. The insured is responsible for the expense associated with substantiating the existence of the mitigation features.